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Mar 26, 2020  · If You Hit Your Own Car. If you hit your own car with a rock or other debris from a lawn mower, it may fall under your own car insurance policy. But this depends on a few things. If you do not have comprehensive coverage you may be left paying out of pocket for any damage you cause to your own car with a lawn mower. But, if you have glass …

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While the damage would fall under your neighbor’s homeowners liability insurance, most insurance agents would tell their client NOT to file such a small claim and simply pay you out of pocket.

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And that person’s homeowner’s insurance policy would be hit for this kind of claim. And if your mower shoots a rock through your window, Van Jura says, your homeowner’s policy would cover the subsequent claim as well. No matter whose window is broken, one claim can lead to higher premiums.

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