Car insurance covers riots if the policyholder has comprehensive coverage. Comprehensive car insurance covers damage to your vehicle caused by events that are out of your control, including damage caused by a natural disaster, an animal, or vandalism.
Comprehensive insurance is an optional type of coverage, so it is not automatically included in every policy. A liability-only car insurance policy will not cover riots.
Filing a Comprehensive Car Insurance Claim
Comprehensive insurance is subject to a deductible, which means that it might not be worth filing a claim if the damage is minor. However, filing a comprehensive claim will have less of an effect on your future insurance rates than a claim for something related to your driving habits, like an at-fault accident. Damage covered by comprehensive insurance is generally out of your control, after all.
No, traditional car insurance does not cover ordinary repairs or maintenance to your car. If your car is covered by comprehensive insurance, your insurance company will cover mechanical repairs caused by a car accident, natural disasters, or other unforeseeable events.
Insurance companies do offer a type of coverage that policy holders can use for repairs. This coverage is called mechanical breakdown insurance (MBI), or repair insurance. MBI is offered by some insurance companies and comes with a...
Yes, comprehensive insurance covers theft. Comprehensive auto insurance coverage will pay to replace a stolen car, repair damage done by thieves, or replace stolen parts, though it will not cover personal possessions stolen from inside a vehicle. It usually won’t pay to repair or replace custom parts or other equipment added by the driver, either.
Comprehensive coverage, which pays for non-accident damage resulting from things like natural disasters and theft/vandalism, is limited to the...
Car insurance does not cover intentional damage, general maintenance, or damage caused by normal wear and tear. Minimum car insurance coverage does not cover the policyholder’s injuries or vehicle damage, either, only providing liability insurance to pay for injuries and property damage caused to others.
However, exact coverage exclusions vary between policies. In addition, insurance companies offer extra policy add-ons that can protect you in situations that don’t fall under minimum car insurance coverage.
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