If you have comprehensive coverage, don't get spooked if
your car is involved in Halloween high jinks.
Comprehensive insurance covers many common vehicular pranks,
which are typically considered acts of vandalism. It also covers theft, fire,
animal strikes, flying objects and damage resulting from flooding, hail and
wind storms. But when your car is the target of ghoulish behavior, or you
have a Halloween mishap, here's what you need to know about car insurance:
1.Egged vehicle. If your car's paint job is damaged by the volatile
compounds contained in eggs, you must have comprehensive insurance to file a
claim.
If you get to the car in time, you might try to wash the egg
off and save yourself from filing a claim. If the damage is done, then
don't be surprised if your comprehensive coverage won't cover a full-vehicle
paint job if only one area has been damaged. The damaged area should
receive new paint, which the painters will try to blend in with the rest of the
car's older paint.
And if you have a custom paint job, it may not be covered
unless you have custom parts and equipment coverage as part of your policy.
2.Broken car window. Shattered windows are also covered under your
comprehensive coverage. In Florida, comprehensive claims for windshields
are exempt from deductible payments. Kentucky and South Carolina car
insurance companies waive the deductible for all glass replacement
claims. In all other states, the deductible will normally be due if you
make a glass claim unless you chose a zero deductible for glass coverage.
3.Sugar in the gas tank. Scientists have debunked the myth that sugar in the gas
tank causes significant damage. The sugar should be caught by filters, but if
it does get through it could clog fuel injectors. You may need to take
the car to a mechanic to clean out the fuel tank and lines, which should be
covered under comprehensive insurance coverage.
4.Halloween decoration
causes dents and dings.
If an inflatable pumpkin breaks loose, rolls down the street and crashes into
your car, causing a dent -- that's a collision claim. However, if a Halloween
decoration lets loose due to gusting wind, becomes a flying missile and falls
on your vehicle causing damage, it would be a comprehensive claim.
5.Slashed tires. Tire damage is also covered by comprehensive
coverage. Your car insurance company will take into account how much your
tires have depreciated. You won’t end up getting paid for a set of
new shoes if you're replacing five-year-old tires with 50,000 miles on them.
6.Pumpkin chunkin’. If a pumpkin is thrown at your vehicle and damages
it, then this would be considered a flying missile and covered under your
comprehensive coverage.
7.Black cat crosses your
path. If you hit a cat, or any
other animal, and it damages your vehicle, then this would be an animal strike
and covered under your comprehensive coverage. However, if a black cat
runs across the road, spooks you and causes you to crash into a tree, that
would be covered by collision.
8.Trunk ‘n Treat. Dressing up for Halloween doesn’t have to be left to
pedestrians, cars can get in the act too – and accidents can happen that lead
to claims. For example, if a chain you used to decorate a tombstone comes loose
from your tricked-out trunk and collides with your vehicle causing a scratch or
dent, collision would cover it. If a prop attached to your vehicle comes
loose and damages someone else's car, then your property damage liability
coverage would cover it.
9.Car gets toilet papered
or wrapped in Saran wrap.
These pranks may seem relatively harmless, until you undo the TP or clear wrap
and find the perpetrator scratched your car. Insurers will typically
consider such incidents as vandalism and cover it under your comprehensive
coverage.
10.Car tipped over. Car tipping of sub-compact cars -- usually Smart cars
-- has happened every few months in certain locales. Halloween is likely
another night to target these light-weight vehicles. If it happens to
yours, know now it is considered vandalism and would be covered as a
comprehensive claim. If the tipper only manages to push your car into
something, like a fence, it would instead be a collision claim for colliding
with something.
What to consider before filing a claim for Halloween damage
No matter what type of Halloween incident or prank you suffer, it's wise to save your car insurance claims for the big things. If the damage to your vehicle is minimal, get an estimate for repairs to see if it's less than your deductible amount to repair. If it is, skip making a claim. Instead, pay out-of-pocket or find the responsible party and make him pay.If the repair costs are way over your deductible, go ahead and make the claim. One comprehensive claim doesn't typically raise your rates. However, if you have multiple claims -- of any type -- it can cause a rate increase; or, your car insurance company may even find you too much of a risk to renew your policy at the end of its term.
Car insurance companies typically require vandalism claims to be accompanied by a police report. So, if it turns out someone you know did the damage, the individual may be busted by the police and pursued by your insurance company for any money it paid out in claims.
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