I suppose would depend on policies-we have different co for house and cars. Margarets car had our old aluminum boat fall over on it (was stored temp on its side). It was covered by home ins. Few years later a deer hit her which was covered by our auto ins. This year a lady ran into her and it was covered by the other persons auto ins. In all instances the car went to the shop for complete repair. Only differance overall was the amounts in deductibles between our home and car ins when it was ours involved.