Rush - I concur with OleDoc - check with your homeowners insurance. I know here in NJ if your property, including your car/bike/etc is damaged on your property it's covered by your homeowners, not your auto policy. Been there, done that... For example: You back your car into your garage door - both the garage door and your car would be covered under the homeowners policy - it wouldnt even be reported to your auto insurance company...

Good Luck!

Bill