Does car insurance cover riot damage?

Only comprehensive car insurance will cover riot damage. Comprehensive policies provide coverage for damages and injuries sustained from any other incident beyond an accident or collision. This includes riot damage, vandalism, theft, extreme weather, fire, and more, depending on your policy and coverage levels. Enter your ZIP code below to get free quotes for comprehensive auto insurance that covers riot damage.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Apr 1, 2021

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Things to know...

  • If you are caught up in the middle of civil unrest, your car may sustain unexpected damages leading to major losses in repair costs
  • There’s only one type of coverage that can protect you from losses arising from damages your car may suffer in riots and other forms of civil unrests: the comprehensive coverage
  • Comprehensive coverage protects drivers from any losses stemming from non-crash related incidences. Riot damage falls under this category
  • Make sure that you have the coverage in place as you don’t know when such a misfortune might befall you. You will not be able to purchase coverage if the rioting has already started

Riots are culminations that are unplanned for. You could be driving to work or just running your usual errand just to find yourself in the middle of angry protestors. The US has seen some violent riots over the last few months. The May Day protest in Portland, Oregon was particularly horrible, with anti-Donald Trump protestors causing massive property destruction across the streets.

If you are unfortunate to have your car in the thick of things, you risk incurring massive losses. But, are you covered for riot damage?

Avoid having problems with the authorities by making sure that you meet the state’s auto insurance requirements before you hit the road. If you are not sure about your state’s auto insurance requirements, contact the state’s department of insurance for assistance. Before you purchase coverage, compare quotes from several providers to make sure that you are getting the best deal.

Having the Right Type of Coverage in Place

Car insurance protects drivers from losses they may have never thought about until they find themselves in these positions. You need to have the right type of coverage to receive compensation for damages resulting from a riot. But what if you are caught up in a riot, and your car gets damaged only to find out that you don’t have coverage for such?

Be proactive and purchase the right type of auto insurance before the occurrence of such unfortunate incidences. When looking to purchase auto insurance coverage, compare quotes from many providers before you commit to buying from one of them. Comparison shopping helps you get coverage that meets all your auto insurance needs at a reasonable cost.

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Protecting Yourself from Riot Damage

Riots are a form of civil unrest with the potential to turn violent at any moment. Often, riots start as peaceful demonstrations or marches in a city with no plans for violence or destruction of property. But in most cases, the crowd is charged, and it only takes slight provocation from the authority to turn the disgruntled protestors violent.

Riots can occur at any time or place, for any reason. Often, riots occur without warning. There is no time to plan. You will need to have the appropriate policies in place to receive coverage. If you don’t have an existing coverage at the time of damages, you will have to pay for the damages yourself.

Does your coverage protect you from losses resulting from a riot? Whether you have protection against riot damage is contingent on the type of coverage you have. The only type of coverage that protects drivers from riot damage is comprehensive coverage.

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Comprehensive Coverage and Riot Damage

A comprehensive policy is an optional coverage that protects drivers from losses resulting from non-collision related damages such theft, vandalism, natural disasters, riots, collision with wild animals, et cetera.

When purchasing auto insurance coverage from your agent, inquire about coverage for riot damage.

Anyone with a little knowledge in auto insurance can tell you that the only way to protect yourself from losses resulting from riot damage is to add comprehensive coverage to your car insurance policy. Before you purchase the coverage, shop around to see if there is a better deal than what your current auto insurance provider is offering. Go online and compare quotes from various auto insurance companies to see if you can get a better policy at a lower cost.

Take the Necessary Precautions

If you find yourself in the middle of a riot, try to move your vehicle to a safer environment. Your safety comes first if you cannot move the car safely, leave it. When it comes to protecting your property, insurance providers will only recommend actions that are reasonable or necessary only if these actions don’t compromise your safety.

Riot damage can be in various forms. During a riot, objects are thrown thus shattering windows and the windscreen; fires are also common during riots. Objects, such as rocks and glass bottles can cause interior damage to the vehicle. If the car is set on fire, water used to put out the fire may cause additional damage.

A comprehensive coverage can help pay for all these damages, but you will have to pay a deductible.

In some cases, comprehensive coverage is not an option. For instance, if you purchased your vehicle with an auto loan, the lender will require you to carry collision and comprehensive coverage to protect their bottom line. The same case applies to a leased car. You can reduce the cost of comprehensive coverage by comparison shopping. Go online and compare quotes from different providers and increase your chances of getting a better auto insurance deal.

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