What Happened Matter
Your car's liability insurance usually helps cover losses to other parties if you damage their property or valuables. In this case, hitting the mailbox means you caused damage to their property. And, as a result, filing an auto insurance claim can help cover those costs.
As the owner of the vehicle, you need to provide information to the property owner about the incident. He or she files a liability claim with your agent. Your policy, therefore, will likely pay.
Lawn damage can be a bit more difficult. Not all policies offer coverage for the lawn itself. In other words, grass and soil replacement might not have coverage It is hard to put a value on this damage. And, it can also be a restriction on the policy. Depending on the severity of the damage, your car insurance may cover the costs as a liability claim.
What If You Do Not Have Coverage
If you are unsure if you have proper coverage, call your agent. Discuss the type of policy you have and the amount of coverage it offers. What is very important here is to learn about the exclusions of the policy. Most liability policies cover these types of losses up to a certain amount of value based on the coverage you buy.
Your agent can offer insight into the proper way to make repairs. Even if you are not sure that you have financial help, your agent can give you some information on the best steps to take to protect yourself from these losses.