It will depend upon the terms of your auto insurance policy as well as state laws but likely it would not pay to fix your own property. Property Damage liability coverage usually covers you if your car damages someone else's property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident.

If you damage your own property then your auto liability insurance may not pay out. The concept involved here is commonly referred to as a household exclusion. The mandatory liability coverage on your vehicles protects members of your household against claims brought by people who are not part of the household.

From time to time, the issue of household exclusions comes up for discussion in different states. However, according to the Commissioner of Insurance in Louisiana, it continues to be an established rule of law recognized throughout the United States and beyond.

If you hit your own mailbox, fence, etc then you may want to see if your can make a claim through your homeowner's policy if your auto insurance company does not take your claim.