Recently we have seen streets filled with vehicles damaged from rioters. Damage can be a simple scratch, windshield damage, or even a fire.

The question is, “Are these kinds of losses covered under a standard auto policy?”

It is normal for people to be worried about their cars if they live in an area with ongoing riots.

Insurance coverage that covers acts of vandalism is not part of the auto liability insurance.

According to the industry-backed Insurance Information Institute, this type of damage typically is covered under optional comprehensive insurance plans. This coverage provides reimbursement for damage to the vehicle and its contents caused by fire, falling objects, vandalism, or rioting.

Approximately two-thirds of policyholders have this coverage. However, each policy is different so that the actual coverage will depend on your individual auto policy terms and conditions.

What Are The Types of Coverage Might Apply?

(If you purchased these coverages)

Collision

If you add Collision coverage, you’re covered if your car rolls over, gets hit by another car, or hits another car or object, minus your deductible. This coverage is required by your lender if there is a loan on the vehicle.

Comprehensive (also known as “Other than Collision”)

This coverage protects your car if it is stolen or damaged by something other than collision, such as fire, theft, glass breakage, vandalism, windstorm, etc. A deductible applies. This coverage is also required by your lender if there is a loan on the vehicle.

Rental Car

If your vehicle is involved in a claim, rental car coverage will allow you to get a rental car for a certain period of time as a temporary replacement. Typical rental car coverage will provide a supplement of $30 per day up to 30 days per year.

Towing/Roadside Assistance

Coverage that enables you to get your vehicle towed and, in some cases, assistance if your vehicle runs out of gas, breaks down, or you lock your keys inside your car.

A Few Things to Remember

  • If the damage is covered, it will be subject to your policy deductible.
  • You should report the claim as soon as possible, especially if someone were injured.

Windshield or glass claims are often covered on a first-dollar basis with no deductible.

  • However, they can also contribute to increased rates.
  • Collision coverage may apply if the vehicle was moving during the time of the damage.

San Diego Auto Insurance Rates

Auto insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV and campers, while others can offer better rates for motorcycles. As an independent agent we can shop many San Diego auto insurance companies and bring you the best possible combination of price, coverage, and service.

There are many things you can do to keep your auto rates at the lowest level possible.

  1. Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs by 15 to 20 percent.
  2. Look for discounts. There are many different discounts offered by insurance companies. These include multi-policy, good student, and more.
  3. The kind of car you own can have an impact on insurance costs. Do some research about a car before you buy it.
  4. Is your coverage appropriate based on the type of car you have? If you have an older car, it may benefit you to consider raising your collision deductibles.
  5. Get your policy up to date. Have you experienced changes like a new address or marriage? Call us for a policy review.

Why Work With The Our Insurance Agency?

  • We know and understand your personal risk
  • We are a full-service independent insurance agency
  • Our goal is to provide the best possible combination, of coverage, price, and service

Since 1992, Wayne McCormick has provided auto insurance at competitive rates for drivers in San Diego County and Southern California.

With McCormick Insurance, we’ve got you covered, and we can help you save hundreds on your auto insurance, home insurance, life insurance, umbrella insurance, motorcycle insurance, boat / watercraft insurance, RV / travel trailer insurance, commercial insurance and more. We even offer surety bonds!