My Car Was Damaged in a Riot – Now What?

If a riot breaks out in your town, your first thought probably has to do with the safety of your belongings. Acts of vandalism can be very costly to repair, and if your vehicle is parked in an area where there is rioting, you may wonder if your auto insurance policy would pay for damages.

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Civil Disturbances and Riots: What Is the Difference?

A civil disturbance is any disruption –peaceful or otherwise – to normal social behavior in a community. In most cases, a civil disturbance is in response to a circumstance or system that individuals believe to be unjust and includes marches, strikes and protests.

A well-planned protest is unlikely to turn violent, but sometimes, after the organized event ends or if calm conversation is overwhelmed by anger, riots and rebellions may break out. A riot occurs when a mob is out of control and violent. Riots generally involve the destruction of personal or public property, including stores, restaurants, religious buildings, state-owned buildings and vehicles.

 

Riots and Auto Insurance

No one wants to be victims of property damage resulting from rioting, and fortunately, auto insurance companies already have provisions for this risk in their coverage options. In fact, there is no need to purchase separate riot, vandalism and civil commotion coverage; if you have comprehensive auto insurance, you most likely have this coverage.

It is important to note that if you want your vehicle to be covered in the event of riot-related vandalism, you need to purchase the necessary auto insurance coverage before your vehicle is vandalized, not after. Auto insurance coverage is not retroactive, meaning that it does not cover damage that occurs before you sign up for the policy. Wrongly claiming that your car was vandalized while it was insured when it was actually damaged before your policy date is insurance fraud, which can have very serious consequences.

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Does My Auto Insurance Cover Damage from Riots?

If you have state-minimum coverage, then your auto insurance policy does not cover you for damage done to your vehicle during a riot. In Nevada, only liability coverage is required, which only covers damage physical bodily harm and property damage done to the other driver if you are responsible for an accident. If you have comprehensive auto insurance, also known as “comp”, your policy covers losses that do not result from a collision, such as fire, wind, flooding, hail, theft or vandalism, including vandalism related to rioting. With this type of auto insurance coverage on your policy, your policy covers vandalism from riots, minus your deductible, up to your policy limit.

 

Getting Comprehensive Auto Insurance with Nevada Insurance Enrollment

If you do not have comprehensive auto insurance coverage, you may end up paying for damage to your car completely out of pocket, even if the damage is not your fault. At Nevada Insurance Enrollment, our auto insurance agents specialize in helping you recognize coverage gaps in your policy. We can help you review your auto insurance coverage and add affordable comprehensive coverage if necessary so that you can avoid unexpected expenses.

Health Insurance Options For Laid-Off Workers

Health Insurance Options For Laid-Off Workers

If you rely on employer-based health insurance and you lose your job, you may wonder what happens if you need medical care before you are able to get new coverage. Fortunately, there is COBRA, a law passed in 1986 gives many workers and their families the right to retain their health insurance even if they quit or lose their jobs.

What Are Association Health Insurance Plans?

What Are Association Health Insurance Plans?

Most people have never heard of association health plans; however, these health insurance plans have been around for decades. Association Health Plans may have fewer benefits but will most likely have lower premiums, making them an attractive option for those who are young, healthy, and on a budget.

What is the Free Look Period in Health Insurance?

What is the Free Look Period in Health Insurance?

To help customers avoid buyer’s remorse, health insurance policies are required to offer a free-look period. If at any time during this period you find that you’re dissatisfied with your policy, you can cancel it and get your money back.

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