What kind of damage?
How was it caused?
If you have damage coverage on your own policy it's likely limited to:
Collision (meaning the upset of the vehicle or its impact with another vehicle or object).
Other than collision:
1. Missiles or falling objects;
2. Fire;
3. Theft or larceny;
4. Explosion or earthquake;
5. Windstorm;
6. Hail, water or flood;
7. Malicious mischief or vandalism;
8. Riot or civil commotion;
9. Contact with bird or animal; or
10. Breakage of glass.

