Recently we have seen streets filled with vehicles damaged form rioters. Damage can be a simple scratch, windshield damage, or even a fire. The question is, “Are these kinds of losses covered under a standard auto policy?”
It is normal for people to be worried about their cars if they live in an area with active riots. Insurance coverage that covers acts of vandalism is not part of the auto liability insurance.
According to the industry-backed Insurance Information Institute, this type of damage typically is covered under optional comprehensive insurance plans. This coverage provides reimbursement for damage to the vehicle and its contents caused by fire, falling objects, vandalism or rioting. Approximately two-thirds of policyholders have this coverage. However, each policy is different so the actual coverage will depend on your individual auto policy terms and conditions.
A Few Things to Remember
- If the damage is covered it will be subject to your policy deductible.
- You should report the claim as soon as possible, especially if someone was injured.
- Windshield or glass claims are often covered on a first-dollar basis with no deductible. However, they can also contribute to increased rates.
- Collision coverage may apply if the vehicle was moving during the time of the damage.
If you make expensive purchases like jewelry or guns, call our office as we may need to add these to your insurance policy. Insurance specialists at Dahlmeier Insurance Agency, Inc. serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.
What does this mean for you? By combining home and auto policies, you may be eligible to receive money-saving discounts, a guaranteed full-year policy term for your car, On Your Side® insurance protection, 24-hour Customer and Claim service, and more.
Call us if you want great service, competitive prices, and quality coverage.