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

fireRecently we have seen streets filled with vehicles damaged from 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.

The Kansas Association of Professional Insurance Agents represents independent agents throughout Kansas. These agents are people like you - local agents serving local people. They realize the importance of an organization that advocates on their behalf and enables them to stay informed, educated and connected to other insurance professionals.

PIA is dedicated to the growth and perpetuation of our members as professional business people who market and utilize insurance products and services to fulfill the needs of the consumer.  The association was chartered through affiliation with the National Association of Professional Insurance Agents (PIA) on October 8, 1994.

PIA's mission is to promote the survival, prosperity, growth, and perpetuation of our members.  To accomplish this PIA offers its members a wide range of quality goods and services to meet their needs.

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