“Anyone who finds their car vandalized will immediately feel shocked. Drivers who own comprehensive insurance will be relieved to know that this coverage will reimburse vandal damage, "said Russell Rabichev, Marketing Director of Internet Marketing Company.
LOS ANGELES (PRWEB)
June 01, 2020
Compare-autoinsurance.org has launched a new blog post that explains how auto insurance covers vandalism.
For more information and free quotes for auto insurance, visit https://compare-autoinsurance.org/vandalism-car-insurance-coverage/
Companies across the country suffered destruction over the weekend as protesters sparked their anger over George Floyd's death for commercial enterprises, from the offices of major multinational corporations to small local family-owned stores.
Numerous cars were also destroyed by the rioters, for simply being parked in the wrong place, at the wrong time. Car owners are advised to remove their cars from areas where unrest, typical popular places and government buildings can begin.
Many may wonder who pays for the damage caused by riots and civil unrest. Can auto insurance or homeowners cover the damage? Is it covered like vandalism or other criminal activities? The short answer is yes. Insurance can cover losses, less a deductible, subject to the terms and conditions of the policy. Based on a "standard" personal automobile policy, full vehicle coverage covers damage caused by riots and civil unrest, precisely due to vandalism or theft.
Why the need for the disclaimer, "subject to the terms and conditions of your policy"? In order for any loss to be covered, it must not violate any of the terms and conditions. This may include timely reporting of the loss and was accidental, unintentionally or invited by the insured. The insured has an obligation to mitigate losses by adopting reasonable measures to protect their properties.
What steps to follow after discovering that the car has been damaged by looters:
Document the vandalism scene. Do not clean up the damage and take photos of any damage caused to the vehicle. This will strengthen the police report and validate the claim to the insurer.
Call the police and report. Insurance companies will request a police report. Official records will also help victims if they intend to file a lawsuit later.
Contact the insurance company. The insurance agent will answer any questions and provide further assistance.
Talk to a request regulator. The insurance company can send a corrector to assess the damage. Due to the ongoing COVID-19 epidemic, the owner will be asked to provide the images in order to assess the damage.
Repair the damage. The insurance company will provide recommendations or instructions on where to repair the vehicle, if possible.
Negotiate a complaint agreement. Keep in mind that companies pay for the actual cash value of the car. Do not accept the first offer, as it is usually the lowest offer, but bring the arguments to settle for a higher refund value.
For more information, savings tips and free quotes for auto insurance, visit https://compare-autoinsurance.org/
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