Will My Insurance Cover Car Damage Caused By Riots?

Over the past few months—amid rising racial tensions and police brutality—protesters have flooded the streets of Michigan and across the United States. While most of these massive demonstrations have been peaceful, others have taken a turn for the worse. Violent riots, civil unrest, and looting have brought chaos to communities and put innocent lives at risk.  

When violent protests get uncontrollable, it happens quickly and suddenly. Damage can be severe, people can get injured, and property can be destroyed. If your car is unexpectedly caught in a dangerous riot, there’s not much you can do to prevent it from being damaged. The most important thing to do is to get to a secure place to ensure your safety. Here’s some information about insurance coverage and car damage that can help you deal with the aftermath. 

Car Insurance and Riots: Am I Protected Against Damage? 

Technically, if your car was damaged in a riot and you can locate the rioter or rioters that damaged your vehicle and have proof of their wrongdoing, then you may be able to hold them liable. Unfortunately, that rarely happens. You’re probably wondering if insurance coverage protects you, and typically the answer is yes—most car insurance policies cover damage caused by riots. However, insurance companies are not always required to cover your losses.

If you don’t have protection against theft or vandalism, typically in the form of comprehensive insurance coverage, then you may not be able to file a car insurance claim. Depending on your insurance policy, there may be specific exclusions and conditions for damages caused by civil disorder. In several states, property damage has exceeded $25 million, reaching what’s known as a “catastrophic level.” An insurance-related catastrophe refers to disasters, whether natural or human-made, such as a hurricane, terrorist attack, or riot. Yet, not many standard auto insurance policies include catastrophe coverage since they are not as common. 

What’s Covered Under Comprehensive Insurance Coverage? 

Comprehensive insurance coverage protects your car from physical damage losses unrelated to a collision. Liability is typically not an influencing factor, as you would purchase this coverage in addition to your liability, property, and other insurance protection. Some events that your comprehensive coverage may include are: 

• Fire
• Theft or vandalism 
• Civil commotion
• Animal damage
• Falling objects 
• Hail, wind, or flood damage
• Explosion, earthquake, or tornado  

Again, as with any insurance-related claim, your individual circumstances and policy contract will determine if these situations are covered. You’ll want to look over your insurance policy and contact your insurer to identify what you’re protected against. Generally, broken windows, body damage, or fire damage are covered. 

Filing an Insurance Claim for Damage Caused by Riots

If you have comprehensive insurance coverage and want to file a claim for damages, you’ll first want to verify your policy, as you may have to pay a deductible. If you’re deductible is high and your damage is not extensive, then it may not be wise to go through your insurance. If you’re going to file an insurance claim, here are some tips to help ease the process: 

• Immediately file your claim 
• Don’t repair anything until the adjuster examines the damage  
• Save receipts for out of pocket expenses (Uber trips or other transportation expenses) 
• Take pictures of the damage 
• Document the location of your vehicle 
• Contact the police 
• Obtain the police report
• Retain an attorney if there is a dispute 

Pursue a Claim for Car Damage with Top Michigan Attorneys 

Civil disorder can be a disturbing experience, leaving a lasting impact on your life. This is especially true if your property is damaged or if you suffer injuries through the actions of dangerous civilians. What’s more, if you’re not fully covered for damages caused by riots—and even if you are—insurance claims take time, and full reimbursement is often not awarded. Dealing with insurance companies or identifying other potential options for monetary recovery doesn’t have to be done alone. Reach out to a personal injury and accident attorney at Michigan Legal Center. 

At Michigan Legal Center, we’re committed to helping you restore your life after an unexpected accident. With over 60 years of experience and millions of dollars recovered, our Michigan personal injury and accident attorneys are prepared to aggressively pursue the compensation you deserve. Schedule your free consultation today by calling (248) 886-8650 or completing a contact form.