Who do I claim from after i accidentally started my car in gear and it smashed into the garage door is it my home insurance or my car insurance there's no damage to my car?

Answer 1

In most States, this will be a homeowner claim. You may be able to imagine that this is a similar type of peril as if an aircraft had crashed into your home... which would also be covered under your home policy - assuming your homeowner's policy form does not exclude that sort of coverage.

Since its your home that is now damaged, this is where Id start my claim.

Your car is not damaged therefore it needs no claim for damages, although your car insurance's property damage may cover this as well.

Id call and check with your insurance companies on this.