Yes, typically you would have to use the Collision coverage on each vehicle and thus pay a deductible under each Collision claim for each car to be repaired. So two deductibles would be due if each of your vehicles were hurt in a situation such as your first vehicle backed into your second vehicle and you were filing a claim against your physical damage.

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 and thus you cannot normally place a Liability claim against your own car insurance policy for damages one of your vehicles does to the other one.

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 but it does not typically cover your own property that you may damage such as another car, your mailbox, etc.

State laws and auto insurance policies do differ so you can read through your policy to see if you have the household exclusion in it and speak to your agent or claims department to find out more information about a situation where you hit your second car and if both deductibles would be due to fix the both cars that sustained damage.

Read in our Life Stages section about different life situations and different life stages so you can be protected and informed.