@kaindub said:
The OC insurance will not cover the damage to the door. The insurance company will try and recover the cost from the ” guilty” party.
We had a case in our block, where a tenant reversed into a garage door. Their car insurance covered the ( replacement) of the door.
The whole point of having insurance is to be covered for accidents, if the insurance doesn’t cover accidents then what is the point of having it.
You admit that the insurance covered the damage to your garage door did they then go after the offender who reversed into it.
I don’t know the full story that is why I qualified my reply with it must be accidental and not malicious, etc.