What are Strike, Riot, and Civil Commotion car insurance coverage?

It is always a good idea to invest in car insurance as anything that can happen will happen with your vehicle. Accidents happen when you least expect them and can lead to an expensive repair bill. This is where car insurance comes in as it can help soften the blow of these repairs or protect you financially from them entirely. Now, if you want the best bang for your buck in terms of protection, then we highly recommend getting comprehensive insurance.

As the name suggests, its comprehensive coverage means it covers the entirety of your vehicle from bumper to bumper. It's the best general solution to almost any possible problems you might encounter with your vehicle in the event of an accident. However, did you know there is more to this as there are further add-ons you can include with your policy to cover more specific incidents? One such type of add-on is Strike, Riot, and Civic Commotion coverage.

This kind of insurance covers the repairs costs to your vehicle if a strike, a riot, or a civil commotion occurs and damage is done. Depending on your policy provider these can cover very specific things such as damage caused by fire, falling objects, and vandalism. It can also be used as a broad term to cover all and any damage that might occur during the aforementioned circumstances. 

As a side note, this kind of coverage is already typically offered as part of a comprehensive insurance policy, however, only as an add-on. This means that if you want this kind of coverage then your payments may increase slightly. It does come in handy though if you need to repair the glass parts of your vehicle such as its windshield. The insurance provider may even replace it without any deductibles being added to your policy. 

It’s always hard to predict when a riot, strike, or civil commotion will occur. They can happen at random and at any location. If you already know that your area is prone to protests and is a popular spot for public protests then you might want to consider getting it. After all, It can save you costly repairs later on and may even get you a temporary vehicle if your al car is in the shop for repairs. Of course, this is still subject to the terms and conditions of your policy.