Does auto insurance cover cars damaged during protests or riots?

[vic120]

Whether intentionally inflicted or incidental, both parked cars and those driven by passers-by can sustain scratches, broken mirrors, smashed windows, or get covered in paint or graffiti. So, what if it happens to your vehicle?

According to the industry-backed Insurance Information Institute, this type of damage is typically covered under optional comprehensive insurance plans, which approximately two-thirds of policyholders have. However, Amy Bach, executive director of consumer advocacy group United Policyholders, says insured vehicle owners should consider a few things before filing a claim.

If it’s less than your deductible, or not too much over for you to afford, it could be better to just pay out of pocket rather than risk being put into a higher risk category and have your rates raised for several years to come

Does auto insurance cover cars damaged during protests or riots?

 

[adjusterjack]

You just answered your own question.

 

[vic120]

You just answered your own question.

was meant for discussion


particularly interested in thoughts on paying for better ins which covers, but not being cost-effective to submit claims because of the consequences of higher premiums

 

[fed up]

was meant for discussion


particularly interested in thoughts on paying for better ins which covers, but not being cost-effective to submit claims because of the consequences of higher premiums

It is best practice to look at the cost of repairs prior to placing a claim in many cases. Submitting a claim "because that's what I pay XYZ company for" can be foolish if the cost does not exceed the deductible or is close to the amount. Many will submit a claim and have a $1000 deductible and receive less than $200 from their insurer when the cost to repair is under 1200.

 

[marindependent]

" can be foolish if the cost does not exceed the deductible or is close to the amount. Many will submit a claim and have a $1000 deductible and receive less than $200 from their insurer when the cost to repair is under 1200.

Well Said. Many consumers run to the insurance company to claim without thinking things out.

 

[Markthebroker]

I am extremely logical. I self insure whenever possible, but I can't sleep at night without full coverage on my vehicles.

 

[Warrior]

I answer this post because insurance companies will raise your rates or cancel you if they feel you are living in a high crime location which will increase your risk that something else will happen to your car in a small amount of time. In times like these, it is best to advise your clients that they should pay out of pocket if they can, or provide that they do not live near the rioting mobs that might hurt the car again.