Bullet holes…What a fun topic to discuss! If your car has been shot and has bullet holes, you may be wondering if your car insurance policy will cover the damages. Today, we’ll answer the question of whether or not car insurance covers bullet holes
What is car insurance?
Before we answer the question, let’s talk about what car insurance is. Car insurance is a type of insurance that can help protect you and your car in case of an accident or other covered event. Car insurance typically includes liability coverage, which can help pay for damages and injuries you cause to others (in other words, protects you from lawsuits), as well as comprehensive and collision coverage, which can help pay for damages to your car in case of an accident.
Does car insurance cover bullet holes?
Now, let’s get to the fun stuff. Does car insurance cover bullet holes? The answer is, it depends on your car insurance policy and the coverage you have (remember, insurance is not a one-size fits all). If you have comprehensive coverage, then your car insurance policy may cover damages caused by things like vandalism, theft, and natural disasters, including bullet holes.
However, if you only have liability coverage, then your car insurance policy will not cover bullet holes. Liability coverage only covers damages and injuries you cause to others in an accident, not damages to your own car. So if you care about your car and aren’t financially ready to cover damages to your vehicle, make sure you get more than just liability coverage.
In conclusion, whether or not your car insurance policy covers bullet holes depends on your coverage. This is the case with most every insurance policy, it all depends on the coverage you purchase. If you have comprehensive coverage, then your policy may cover damages caused by things like vandalism, theft, and natural disasters, including bullet holes. If you only have liability coverage, then your policy will not cover bullet holes. It’s important to review your car insurance policy to understand what it covers and what it doesn’t cover.