Protests have become a common occurrence in many cities across the world, and with the rise in political tensions, it’s no surprise that the number of protests has been increasing. Unfortunately, protests can sometimes turn violent, and cars can be damaged in the process. If your car has been damaged during a protest, you may be wondering if your auto insurance covers the damage. In this article, we’ll take a look at the different types of coverage and whether or not they cover damage caused during protests.
Collision Coverage
Collision coverage is a type of auto insurance that covers damage to your car when you collide with another vehicle or object. This coverage will typically cover damage caused by rioters or protesters, but there are some exceptions. For example, if your car was parked and unoccupied during the protest, collision coverage may not apply.
Comprehensive Coverage
Comprehensive coverage is a type of auto insurance that covers damage to your car that is not caused by a collision. This includes damage caused by natural disasters, theft, and vandalism. Comprehensive coverage will typically cover damage caused by protesters or rioters, but there are some exceptions. For example, if your car was damaged during a protest that you participated in, comprehensive coverage may not apply.
Liability Coverage
Liability coverage is a type of auto insurance that covers damage or injuries that you cause to others in an accident. This coverage does not cover damage to your own car. If your car is damaged during a protest that you did not participate in, liability coverage will not apply. However, if you were involved in a protest and caused damage to someone else’s car, your liability coverage may apply.
Uninsured/Underinsured Motorist Coverage
Uninsured/Underinsured Motorist coverage is a type of auto insurance that covers you if you are in an accident with someone who does not have insurance or does not have enough insurance to cover the damages. This coverage will typically not cover damage caused by protesters or rioters, as they are not considered “motorists”.
What To Do If Your Car Is Damaged During A Protest
If your car is damaged during a protest, the first thing you should do is make sure you are safe. If you are in immediate danger, you should leave the area as quickly as possible. Once you are safe, you should take photos of the damage to your car and any other property that was damaged. You should also file a police report and contact your insurance company to report the damage.
Conclusion
In conclusion, whether or not your auto insurance covers damage caused during protests depends on the type of coverage you have and the circumstances surrounding the damage. If you are unsure if your coverage applies, you should contact your insurance company for more information. If your car is damaged during a protest, make sure you are safe first and foremost, and then take the necessary steps to document the damage and report it to the authorities and your insurance company.