The anti-racism protests rocking the United States in recent days have resulted in riots between protestors and police, with vehicles being vandalized and properties damaged in the wake of the outrage of the death of George Floyd.
Anti-racism protests have also unfolded in Canada, but they have not been marked by the same level of violence witnessed stateside. Nevertheless, many drivers may wonder what happens if their cars are vandalized, damaged, or set ablaze during civil unrest. Will your auto insurance policy pay for those types of damages?
Drivers who are wondering whether or not their vehicles are adequately insured in the event they are vandalized or destroyed in a riot should review their policies or speak to their broker to ensure they have what’s known as comprehensive coverage. Riots and civil unrest are also covered under the “specified perils” portion of your policy.
Comprehensive coverage is the portion of your car insurance policy that covers you for things such as theft, vandalism, or fire. Likewise, it is the comprehensive portion of your auto policy that will pay for damage to your vehicle if it is hit by road debris or a flying object after you pay your deductible. Like collision, comprehensive coverage is an optional add-on to your policy.
Most comprehensive insurance coverages will cover ‘civil commotion or riots’ in addition to damage resulting from theft, vandalism, and fire.
In Ontario, a standard car insurance policy includes four mandatory (or required) types of coverage:
In Alberta, a standard or basic auto policy must have:
If you have a relatively new vehicle that is not 10 years old or older, including comprehensive coverage in your auto insurance policy may make a lot of sense. It is worthwhile coverage to have.
Think of comprehensive coverage as protection for your vehicle from any non-car collision threat like a natural disaster, civil disturbances, falling or flying objects, fires or explosions, as well as vandalism, theft, and damage as a result of hitting an animal while driving.
Talk to your broker or insurer about your car insurance policy, and inquire about adding optional comprehensive coverage if you are concerned.