Is A School Bus Is Hit By Another Bus In A Parking Area, Is The Driver Of The Backed Into Bus Covered By Insurance? 
I am puzzled by your statement `` one can not damage their own property and submit a claim '' . What happens then if someone runs a stop sign or a red light and hits another car and the guilty party is charged with failure to yield right of way '' . This scenario probably happens once a day in every state and I was unaware that West Virginia has such out of touch insurance laws . I thought the driver could have his company , subject to the deductible , repair his car . The real question in your scenario is the school district best advised to file a claim because their Commercial policy is going to have to pay the claim on both sides of the equation , Also , the driver of the bus has no legal standing because he is driving the school district bus with the permission of the school district but the school district has the right to file or not to file 