Does Auto Insurance Cover Bullet Holes?

  • chellanger yellow car

If you have had your car shot, you might want to know if your auto insurance covers the bullet holes. The answer to this question really depends on what type of insurance you have. Bullet holes are not a result of a traditional car accident. Due to this reason, it is likely that there is going to have to be an investigation into the cause. If you are deemed to be involved, it is unlikely that you will get coverage for the bullet holes. However, if your vehicle was attacked and you have proper coverage, you will receive compensation.

Coverage options

bullet holes

Since bullet holes are not something that you generally need protection against, it is important to make sure you have proper coverage. Comprehensive coverage is what you typically need to be protected against bullet holes. This type of coverage will help to protect you against all sorts of non-driving related incidents. If your car happens to us as a result of a natural disaster, or fire, comprehensive coverage will compensation. When it comes to programs of coverage, you can generally get different levels of coverage. If you want to pay a higher insurance premium, you should be able to get a high amount of compensation coverage.

Documenting the incident

Any insurance company is likely going to question you about bullet holes. It is extremely important to make sure that you file a police report as a crime has been committed. If you saw your car being shot at, you likely are going to want to make a description of the suspect as well. When you file an insurance claim, an insurance company is likely going to ask for a police report. This will establish that a crime has taken place. A report will also ensure that you didn’t shoot the car on your own to cause the damage. Generally, after this, an insurance company will assign a claims adjuster to your case and send you to a body shop. The body shop will then give you a quote for the repairs. You can then take this back to your insurance company to receive compensation.

Deductible

It is important to note that due to the fact you are making a claim on your insurance, you’re going to pay a deductible. The amount of deductible that you’re going to have to pay depends on what you established with your insurance company. If you have a high deductible, it is likely that you were regularly paying a lower monthly insurance premium. This essentially means that you’re going to have to pay more money out of pocket in order to fix the damage on your vehicle. If you have a low deductible, you’re likely paying a higher monthly insurance premium, which will now pay off. That higher monthly insurance premium will now allow you to be able to pay less money to be able to get your car fixed.

Filing an insurance claim

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When you file an insurance claim is important to make sure that you have the right documents. If there were any witnesses to the incident, make sure that you gather phone numbers, names, and addresses etc. It is also important to write down the location and the time of the incident. If you have a camera handy on you, you may also want to take photographs. Make sure to take pictures anywhere where damage was done. An insurance company may attempt to say that some damage by something other than the shooting, which is why it is important to gather your own evidence. The more evidence you have to support your case, the better. It is best to file your insurance claim as soon as possible as generally there is a limited time after the incident occurs to file a claim.

Will a bullet hole claim increase my insurance premium?

This is a very good question to ask. The answer highly depends on whether or not you have claims on your record already. If you are out of town and happened to park in the wrong location, you may not end up having to pay a higher monthly premium as a result. However, if your car was parked at home, an insurance company may see that as a potential risk for future damage. As a result, an insurance company might charge you a higher monthly premium. It is very hard to say whether or not your insurance premium will increase. The best way to be able to tell is to talk to your insurance provider and see what they have to say about the incident. Remember, you always have the option to switch auto insurance providers as you see fit.

Will all the damage be covered?

amount

Whether or not the damage will all be covered, really depends on what your insurance policy says. If your policy has a high amount of comprehensive insurance coverage, it is likely going to be able to cover all of the damage that was done from the bullets.  Insurance companies will always list the exact dollar amount of coverage that you have for your vehicle. It is important to keep in mind, there is one other thing that an insurance company is going to look at to decide if the damage will all be covered or not. They are going to look to see if you are partially at fault for the damage occurring to your vehicle. If you are somehow deemed to be partially at fault, you may receive little to no coverage for the damage.

To Conclude

If you have had your car shot, you likely have a lot to worry about. This type of thing could happen to anyone. There are definitely things that you can do to make sure you’re properly covered. Bullet holes can do substantial damage to a car and in fact, they can make a car entirely inoperable. Remember, if you are worried about your coverage, the best thing you can do is talk to your insurance company.