Does Auto Insurance Cover Riot Damage?

It’s important to know what damage auto insurance does and does not cover. You’ll want to know if your car insurance covers riot damage. In some cases, comprehensive insurance will cover riot damages. It’s also vital to know how to file a claim for riot damage to your car. Get started today by comparing auto insurance rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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What You Should Know

  • Riot damage can include broken windows, vandalism, looting, and more.
  • Car insurance covers riot damage with comprehensive coverage

Property damage and vandalism to vehicles is something that can easily occur during riots and other types of civil disorder. It’s important to know what damage auto insurance does not cover and what is covered. How does car insurance work? If you live somewhere riots are likely to happen, you may find yourself asking: Does auto insurance cover riot damage?

You will be glad to know that riot damage is covered in most cases, but there are many factors, including the type of damage done to your vehicle and the type of car insurance you have. Additionally, business insurance will cover riot damage in most situations.

When asking, “what does car insurance cover?” it’s important to know the different types of car insurance.

There are six types of car insurance coverage that most basic policies come with, including bodily injury liability, personal injury protection, property damage liability, collision, comprehensive, and uninsured motorist insurance. Comprehensive insurance is the type of coverage that can cover riot damage.

So, is a riot covered by insurance? It can be, but before learning more, enter your ZIP code into our FREE tool above to compare rates.

Finding Insurance That Covers Riot Damage

Finding the right insurance policy can be a daunting task, especially if you are already stressed about your car getting damaged in a riot. The thing with some insurance companies is that they will increase rates if riots are actively happening in your area, so if you can get car insurance before anything bad occurs, then it is always best to do so.

As when considering any insurance policy, it is important to determine your specific needs and wants when searching for the right car insurance policy. Car insurance companies offer many different rates when it comes to comprehensive coverage, however, the cheapest is not always the best way to go. Neither is the most expensive.

For an example of differences in rates between types of coverage, check out the chart below, which shows the average car insurance rates in Anchorage, AK. Read on, to learn more about insurance coverage in states like Alaska.

Average Annual Anchorage, AK Auto Insurance Rates by Coverage Level
CompaniesAverage Annual Rates with High CoverageAverage Annual Rates with Low CoverageAverage Annual Rates with Medium CoverageAverage Annual Rates
State Farm$3,026.99$2,760.72$2,820.65$2,869.45
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Some companies offer a vast difference in rates based on types of coverage. Does insurance cover riots and looting? Coverage can vary, so it’s important to ask your company. Also, be sure to look for the company’s riot insurance reviews.

Damages to your vehicles caused by riots and other types of civil unrest can be unpredictable and devastating. If this is a concern of yours then be sure to speak with your insurance provider about comprehensive coverage. So, does car insurance cover riot damage? In most cases, it does.

It’s worth it to know how to find inexpensive commercial auto insurance, as riot damage is covered by most commercial car insurance policies, but always consult your insurance company beforehand. Riot damage can also be covered by homeowner’s insurance.

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Does car insurance cover riot damage? More About Comprehensive Coverage

Many people wonder, “Does car insurance cover accidental damage?” In most cases, comprehensive is the type on insurance you will need. While it is not required in most states, comprehensive auto insurance is a good thing to have as it can protect against fires, vandalism, floods, and more. Comprehensive coverage comes with most full coverage policies and is especially important if you have a new vehicle.

Just like damage caused by anything else, you can’t predict when or if your car will receive damage due to a local riot. Since comprehensive coverage covers most types of riot-related damage, it is a good idea to have this coverage included in your policy. More in-depth information on comprehensive auto insurance can be seen in the video below:

Comprehensive coverage usually comes with a deductible that must be paid before your insurance will cover the damages done to your vehicle. This is why it is important to discuss these types of situations with your insurance provider. Your agent can usually give you a good idea of how much of a deductible you will have to pay in most given situations.

All this being said, making a claim about riot damage could cause your premiums to get higher. For smaller damage, such as a smashed window, it might be a good idea to pay the damage out of pocket. Again, this is something that’s important to discuss with your insurance agent. You can also easily find out what is not covered in car insurance.

If you are wondering, “How do I claim car insurance for damage?” you would just need to contact your agent and have them walk you through the process.

How much is comprehensive insurance?

The average cost of car insurance in the USA can be based on many different factors, including the specific car insurance company you go with and which state you live in. Compare quotes from different insurance companies by using the tool below.

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Avoiding Riot Damage

There are many ways to avoid riot damage happening to your vehicle. As said above, riots and other types of civil unrest can happen in a split second without any warning, so keeping your car in a safe location every day is always a good idea. If you work in a larger area, then parking in a garage could be an option.

Of course, this wouldn’t be a sure-fire method of keeping your vehicle safe, but it will likely be safer in a garage than on the street.

If your vehicle is already stuck in the middle of a riot and you can’t get to it, then it may be best to leave it.

Your personal safety should be your number one priority.

Now that you know more about if auto insurance covers riot damage, enter your ZIP code into our FREE tool below to compare quotes and find the perfect car insurance policy.

Frequently Asked Questions: Does car insurance cover riot damage?

Is riot damage covered by insurance? Hopefully you now know the answer to that question, but feel free to check out some common questions about car insurance and riot damage below.

#1 – Does car insurance cover engine damage?

Both collision and comprehensive insurance may cover engine damage in certain situations. If your engine was caused by a collision with another car, for example, then collision insurance may cover the damages.

#2 – Are tires covered under insurance?

As with engine damage, this all depends on the situation. It the damaged tires were caused by an accident then they may be covered.

#3 – What does car insurance cover in India?

As in America, car insurance in India is broken down into differnt types of policies. They have plans that can cover weather damage, accidents, riots, and more.

#4 – Does car insurance cover suspension?

Collision and comprehensive insurance can cover suspension damage in some cases, but not when the damage is from normal wear and tear.

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