Parked Car Got Damage, Will my Car Insurance Cover it?
Reader’s Question:
Whenever I leave my car in the parking lot of my favorite mall in Washington, I can’t help thinking: what if my parked car got damaged by another vehicle or as a result of mischief by an individual and nobody’s watching? Is there an insurance policy that would cover my car for such contingencies?
Jenny
Seattle, WA
Hello, Jenny. The scenario you’ve described is disappointing, to put it mildly, but it actually happens every now and then. A few drivers left their cars in the parking lot only to find upon their return that their vehicles have sustained some damage like dents and broken car lights. Usually nobody’s around to answer for the damage.
There’s a type of auto insurance policy that’s not required in any state law but will answer such need. It’s called comprehensive auto insurance. This is a product you can buy in Seattle Washington WA that falls under the “optional” category.
Comprehensive auto insurance covers damage inflected on cars caused by so-called “acts of God” (for instance, flood, earthquake, hurricane) or by any unidentified culprit, whether accidental or intentional. If a parked vehicle in Seattle Washington WA gets hit by accidental collision but the party at fault left the scene to avoid responsibility, the event will be treated as vandalism in a comprehensive auto insurance claim and the auto insurance carrier will pay for the damage using valuation called “fair market value”. Just be careful to read the comprehensive auto insurance policy and check that these details are indeed covered.
For comparative price information on comprehensive auto insurance policies, fill in the form you see on this page.