This may not be a question you would have ever thought about before the year 2020, but what if your car is damaged because of a riot in your area? Does your auto insurance cover riot damage? Like most things related to insurance coverage, it depends.
What does coverage depend on? Read on to find out.
Auto Insurance of Riot Damage
One of the basic determinations of any auto insurance claim investigation is assignment of fault. In most accidents involving another person, one person is determined to have caused the accident. Sometimes, blame is shared using percentages. Sometimes another person is not involved, and damage is caused by something like a tree falling on your car.
This type of damage, from something other than a collision with another vehicle and driver, is usually where riot damage is considered. Afterall, you most likely didn’t take down names as the riot progressed. So, which type of auto insurance covers riot damage, when there is no one to assign fault to? Let’s find out.
Which Type of Auto Insurance Covers Riot Damage?
You can recover your losses from riot-related auto damage as long as you have the right coverage. Generally, this means purchasing comprehensive coverage.
The idea behind comprehensive coverage, which is an optional coverage, is that you will be protected from physical damage to your car that is not caused by another driver. Similar to vandalism or damage from natural events, such as storms, riots often result in damage to the body of your car, the windows or sometimes fire damage throughout the vehicle.
Is There Anything Else I Need to Know About Comprehensive Coverage?
As with all insurance coverages, make sure you understand your own responsibilities before you purchase a specific coverage type. For instance, comprehensive coverage requires you to choose a deductible amount. A deductible is the amount you must pay for an accident before the insurance company kicks in.
Choosing a low deductible raises your premium amount because you will be paying less should you have an accident. Conversely, choosing a higher deductible means your premiums will be lowered but you’ll have to shell out more money from your own pocket in the case of an accident. Balance this choice so that you can afford either amount.
The most important thing to remember is that if you don’t have coverage, you won’t’ be covered. To be covered for riot damage, you will have to have had comprehensive coverage in place before the rioting happens. And it’s important to note that some insurance companies won’t let you buy coverage if riots have already occurred in your area. So, be prepared.
If you want to price out comprehensive insurance for your vehicle, InsuranceWins can help. You can find out how much you could save on comprehensive car insurance by comparing auto insurance quotes using our fast and easy form. Get started today!