Did you know that your car insurance may cover things you never even thought about? For instance, many people do not realize that their car insurance coverage will cover things such as damages done to their automobile during a riot, or damage done to their vehicle by a wild animal. Does your own car insurance policy protect your vehicle from riot damage? The answer to that question will depend on what kind of insurance coverage you have on your vehicle, and whether or not you are carrying the right kind of policy for your car.
When you called to ask various insurance agents for car insurance quotes, you may not have even thought to ask them regarding coverage for damages done to your car during a riot. That was simply because most people do not normally think of being anywhere near where a riot would take place. While riots may be rare, they do happen. We have all seen one or two of them unfold at some point in our life. You never know, a riot could break out amongst a disgruntled group of people in your vicinity. What if you find yourself in the middle of a riot? What if you are running errands or on a vacation, and a riot breaks out? Is your car covered in the case of such an event? We have all heard horror stories of these types of things happening. Riots have also been known to occur spontaneously, such as after or during a sporting event.
When shopping for car insurance, be sure to ask the agent if the car insurance rate they just quoted you also includes coverage for damages done to your vehicle from a riot. Every insurance agent will tell you that riot damage is covered if you purchase comprehensive car insurance coverage. Comprehensive auto insurance also provides coverage for incidents like fire, theft, larceny, falling objects, damage from flying objects, damages from contact with birds or animals, windstorms, hail, water damage, malicious mischief or vandalism, and explosions and earthquakes.
Simply carrying personal liability coverage will not cover your car during a riot, so if you want to be covered for this, you will need to buy comprehensive coverage. People who have taken out an auto loan are required by the lender to carry comprehensive coverage. If you are making payments on your automobile, the good news is that you will already have comprehensive coverage on it, so you do not have to worry about whether or not your car insurance policy protects your vehicle from riot damage.