<prompt> Human: So the incident happened at my aunts house. I live with her and we both park in the garage, I was backing out and turned a little too sharp, and clipped her car on the way out. My insurance company USAA is telling me that they are not going to pay for the property damage because we are blood related and live together. My adjuster basically told me that she would have to file a claim through her insurance and have them pay for it. Is there anything I can do about this??  <response>: Claims adjuster here. It is likely excluded because they live in the same household. You cannot use liability coverage on the striking car, to pay for damage to the second car if it is owned by the same person or on the same policy. Liability coverage excludes damage to property owned by the insured. Since she probably has access to or owns the second car it is not covered under liability and instead would have to be filed under its own collision coverage and subject to a deductible. 