Does Car Insurance Cover Bullet Holes? (2024)

FAQs

Does Car Insurance Cover Bullet Holes? ›

Car insurance covers bullet holes if the policyholder has comprehensive coverage. Comprehensive car insurance covers damage to your vehicle caused by events that are out of your control, including damage caused by vandalism, weather, or bullet holes.

If your home is struck by multiple bullets, most insurance policies will cover it, but if your home is struck by one bullet, it may not be covered. “So if you have multiple bullet holes and a lot of siding damage, it probably makes sense to file a claim,” Erickson said.

To make it easier, we've gathered some common cases when you may not have coverage under a standard auto insurance policy. 1. General wear and tear: In general, auto insurance doesn't cover normal wear and tear. This can include things like brake replacement, engine repairs, or replacing windshield wipers.

To ensure you're covered, you'll need comprehensive auto insurance coverage. This type of coverage applies to non-collision incidents, including things like vandalism. As long as you weren't directly involved in the shooting, comprehensive coverage should apply in the case of bullet damage.

If you have collision and comprehensive, then your vehicle may be covered if the engine is damaged in an accident or by an event outside of your control. A blown engine that's the result of a mechanical failure or wear and tear won't be covered by comprehensive or collision coverage.

There are two main types of sinkhole insurance — sinkhole loss coverage and catastrophic ground cover collapse coverage.

Homeowners insurance doesn't cover floods, earthquakes, typical wear and tear, and damage due to insufficient maintenance. You can usually add flood and earthquake coverage to your policy for an additional fee, but wear and tear and damage from a lack of maintenance are considered preventable.

What's not covered with "full coverage"? Your medical expenses and your passengers' medical expenses are not covered by liability, collision, or comprehensive coverages. Medical bills can be covered by purchasing medical payments coverage or personal injury protection coverage.

Intentional damage

An auto policy will not cover intentional damage to your car or another driver's property, and any attempt to profit from an insurance settlement is fraud. Insurers will probably investigate, deny your claim and cancel your policy.

Does insurance cover criminal acts? ›

An E&O policy does not cover criminal prosecution, fraudulent or dishonest acts, or claims against bodily injury. The insured, however, is covered for attorney fees, court costs, and any settlements up to the amount specified by the insurance contract.

What if someone puts sugar in your gas tank and ruins the engine? Your auto insurance company should pay out the claim — buy only if you have comprehensive coverage. Many comprehensive policies cover vandalism such as graffiti, key damage and, yes, even sugar in the gas tank.

There is no one way to blow an engine, but it refers to a motor that has suffered catastrophic internal mechanical damage. An engine doesn't actually blow up, even though there may be smoke, steam, or rarely even fire. The damage is so extensive that it affects the majority of the engine parts.

Head gasket failure is not a covered loss under normal insurance. Only if you have one of those warranties that covers engine and component failures would you be covered. If you are trying to get your auto coverage to pay for this it will be denied as this part is considered a wear and tear item and is not covered.

Regardless of the shape of the vehicle, you still owe the finance company money and are obligated to make payments or else they can repossess the vehicle and get a deficiency judgment against you for the difference between what the vehicle sells for at auction (with a blow engine) and the balance of your loan.

Homeowners insurance is a form of property insurance that covers losses and damages to your residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property.

Most home insurance policies will only cover you for sudden events such as fire, floods or theft. They won't cover damage caused by wear and tear or that happens slowly over time. For example, damp, condensation or rust.

A covered peril is an accidental event such as a fire, windstorm, or hail. Structural issues covered under your insurance policy include damage to your home's foundation, walls, roof, and floors.

Personal property coverage — also known as contents coverage on a home policy — helps cover the cost of your personal items if they are destroyed, damaged, or stolen due to a covered loss or peril.