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.
Pennsylvania auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Our agency is committed to providing clients with the highest quality insurance plans available combined with some of the lowest possible rates. Whether you are shopping for auto insurance, home insurance, life or business insurance, we can help you obtain the best coverage available with the lowest rate possible.
Worthington Insurance specializing in competitive auto, home, contractor and business insurance as well as insurance in Philadelphia, Yardley, Morrisville, Langhorne, Newtown, Bensalem, Levittown, Bucks County and surrounding areas in Pennsylvania and New Jersey