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Will Insurance Cover a Limo Damaged by Protesters?

The anticipation that built up about the glory of the president’s inauguration was tempered with apprehension. Protests against the new commander-in-chief’s ideology could spark unrest and damage to property.

Following the infamous January 20th limousine torching in Washington DC, the question remains: Will commercial insurance cover the damages wrought by protesters?

The Insurance View

Insurance typically pays for injuries and damages suffered by individuals and incurred by vehicles and property. The problem begins, however, when circumstances in a protest point to differing factors. 

 

For example:

  • The insurance company may deem a business or victim liable due to lack of measures taken to avoid losses

  • The policy may include specific exclusions that renders no coverage in the particular instance

  • The policy may include a high deductible that inhibits financial recovery

In the case of the Alexandria, VA limo company owner, Muhammad Ashraf, things may not be so straightforward. With possible auto replacement costs in the thousands of dollars, insurance may not protect his losses because it was not a vandalism act of which he had coverage for, but an incident involving a riot, of which the protester organizers or government may be held liable for.  

For more information in regard to damages and losses as a result of protesters, speak to an experienced independent agency that does direct business with the leading companies.

PRIME Insurance is a three-generation family-run independent agency. We’re proud partners with many of the leading companies in the industry – big names such as ACE, ASI, ASSURANT, CHUBB, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, USLI, ZURICH and more. With thousands of satisfied customers, we benefit policyholders by reviewing current coverage, as well as by shopping our wide network to locate customized policies at competitively lowest quotes.

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Summary: With protester damages in the limelight in regard to the Trump inauguration, the need for insurance coverage clarification arises.


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