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There is a lot of damage that can occur during a riot. If you want to make sure that your vehicle is protected, it is important to make sure you have the right coverage. There definitely is insurance coverage available that covers you for riot damage. However, it is important to realize that riot damage can completely destroy your vehicle. This is why it is so important to make sure that you have enough coverage. Just having coverage is one thing, but it doesn’t always mean that is going to be enough to pay for the loss that you take.

Does Collision Coverage Insure Me For Riot Damage?


Unfortunately, if you just have collision coverage on your vehicle, you will not be covered for riot damage. Unless you are driving your vehicle and happen to hit something on the road that was put there as a result of a riot, you’re not going to be able to make a collision claim. Collision claims are simply there for you if you happen to hit something with your vehicle. In most riots, you’re not going to be sitting in your vehicle when it becomes damaged. If you want to make sure that you are covered against riot damage, you need to get more than just collision coverage on your vehicle.

What Type Of Coverage Do I Need To Protect Myself From Riot Damage?

In order to make sure that you are properly protected against riot damage, you need to make sure that you have comprehensive insurance coverage. This type of coverage is designed to protect you against things that you cannot control. For this reason, comprehensive insurance coverage is generally less of a risk for insurance companies to provide clients with. Due to this reason, you will likely find that adding this type of coverage to your policy will not skyrocket your insurance premium. Although you cannot add purely riot damage to your policy, adding this type of policy to your insurance premium will cover you for all sorts of accidents that are out of your control.

How Do I Protect My Car From Riot Damage?

Sometimes the best way to protect yourself against damage is to do something other than get insurance. Insurance will cover you if something happens to get damaged, but you might want to attempt to avoid the damage altogether. If you can hide your car is something like a garage, it is much less likely to become damaged in a riot. People are not likely to break into houses and start breaking things during a riot. Although this could happen, it is much more likely that your car will be safe if you can park it inside. Parking your car outside is definitely a little more dangerous. If you are forced to park outside, you can also park as close to your house as possible to minimize risk.

What Type Of Damage Do Riots Cause?


In order to make sure that you have the right coverage, you might be wondering what types of damage riots can cause. Riots can cause all different kinds of damages depending on how bad they are. Sometimes riots involve people smashing windows and other times people literally set fire to things on the street. Depending on how bad the riot is, you may even be in danger just being close to a riot. It is not always easy to get away from a riot once one has started. Generally, riots grow bigger over time. You might want to get away if you see one potentially starting up.

How Much Coverage Do I Need?

This is a very tough question to answer, especially when it comes to riot damage. A riot could potentially demolish your vehicle depending on the circumstances. For this reason, you might want to consider getting coverage for the full value of your vehicle. However, it is important to realize that this is going to increase your insurance premium. The more coverage you add, the higher your monthly cost for insurance will be. You will definitely appreciate the money if your car happens to be destroyed in a riot. However, you should take into consideration the chances of this actually happening. Make sure that you weigh everything carefully when deciding how much money you should spend on insurance.

Should I Make A Claim On My Insurance For Riot Damage?

The answer to this question really depends on the amount of damage that was done. If you don’t have comprehensive coverage on your insurance, you might not be able to make any claim whatsoever. However, if you do, it is important to make sure that you assess the damage. For any type of claim, you’re going to have to pay an insurance deductible. Due to this reason, you’re going to want to make sure that your vehicle is at least damaged more than the cost of your insurance deductible. If it isn’t, it is not worth making a claim through your insurance company.

Can I Get Insurance If Riots Are Actively Occurring Where Live?


Unfortunately, insurance companies are not willing to take on this type of risk. If there are active riots where you live, you will be unable to get coverage. Generally, if this happens, insurance companies will put a freeze on purchasing coverage. If this occurs, you might want to just try to get out of your area. It is definitely not worth risking your life by sticking around. Your insurance company may not be able to help you, but moving to a different location certainly, will.

To Conclude

No one wants their car to be damaged in a riot. If your car becomes damaged in a riot, you’re going to have to make an insurance claim. Unfortunately, this means that you’re going to have to pay an insurance deductible for your vehicle. Either way, a riot that damages your vehicle is going to cost you money. If you think that a riot might break out, it might be a good idea to try to protect your car from it. Try to park your car in an area where it can’t be hit and make sure that you don’t keep valuables inside of your vehicle. There is only so much you can do but is definitely better to try being safe than to be sorry.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.