Does Your Auto Insurance Cover Damage Done During a Protest or Riot?

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.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s