Does Car Insurance cover if a third party destroys my car?: A car is an asset that has cost a lot of work and
protecting it is paramount. Since sometimes the situation that can lead to
damage to the car such as demonstration, vandalism while traveling in a riot,
destruction to the vehicle while parked or blows caused by the valet parking
service is unpredictable. And under any circumstances those mentioned here, who
is responsible for the damage?
Therefore, it is very important to know if all events are
covered by the vehicle policy. Although, most insurers do not cover impairments
that may result from any act of subversion against the government or acts
intentionally caused by criminals, there are others that do. That is why we
recommends consulting the terms and conditions that are described in the quotes
before signing the contract.
Vandalism,
insurrection or demonstration, cause of exclusion in auto insurance?
Today it is common to meet a popular demonstration in every
country. This can be a big problem for all drivers on public roads,Highway,
causing not only anger at encountering closed streets, but sometimes even
property damage.
Unfortunately, not all insurance company provide
protection for these claims. Although what vandalism insurance companies
consider is not fully described, the conditions and terms of vehicle policies
stipulate as exclusion any damage that results from any subversion, rebellion
or insurrection. Some insurance experts have suggested that the interpretation
of this quotes is that impairments resulting from a public demonstration fall
within these terms and will not be covered by the insurer.
However, there are other insurers that do protect against
damage to car and this situation. Therefore, the most convenient thing is that
before contracting the policy, the insurer is asked if the damages that could
occur from this circumstance are covered by the coverage that is being
contracted.
That is why, in the face of the disturbances that the
right to demonstrate may cause, the laws of each entity have established
regulations that specify that it is necessary to notify the competent
authorities of such acts to avoid such barbarities.
And although as mentioned, there are companies that are
not responsible for the deliberate impairment of these acts, the most
convenient thing is to compare and analyze the provisions regarding Damage of Material
in each vehicle insurance that you want to take out. Since in this section, all
direct damages to the vehicle by a third party or some external factor that are
compensated by insurance companies are condensed. Also, it is advisable to find
out about the additional covers that can be contracted such as broken mirrors ,
glass, or coverage for damage while transporting by crane.
Valet
parking damaged the car, who pays?
It is very encouraging that when the vehicle is left in
the parking lot of an establishment, the employees in charge of parking the car
inadvertently scratch it or hit it. The good news is that according to the
Consumer Protection Law, the company in charge of the service is responsible
for compensating the damage.
The companies providing parking services with personnel
must have third party liability insurance that covers scratches, blows or any
damage that may occur to the unit during its care.
Better
be insured if your parked car hit you
Unless the vehicle has been parked in a prohibited or
dangerous location, auto insurance covers material damage that may be caused by
another car while it is parking. Therefore, it is important to have a
comprehensive coverage that protects against material damage to your vehicle,
since in this circumstance you are protected from careless people who can hit
the car while it is parked.
In the event of damages that others may cause to the car,
the most convenient thing is to always be protected with a wide coverage that
considers all possible situations and ask the insurer of preference all the
terms and conditions of the policy.
