Does Car Insurance Cover Bullet Holes? You’d be Surprised.


Does car insurance cover bullet holes? Car insurance can seem intimidating, especially when you’re trying to figure out whether your policy covers it. But once you know what to look for in your policy, it’s not that hard to understand whether or not your car insurance will cover the damage from bullet holes. So if you’ve ever been wondering if your car insurance covers bullet holes, read on to find out how you can know for sure!

Does car Insurance Cover Bullet Holes?


Does your car insurance policy provide coverage if someone shoots at your vehicle and misses, and a stray bullet strikes your truck instead? The answer is yes, generally speaking, but not without important caveats.

To begin with, it’s worth noting that you can’t even ask about such coverage unless you’ve made an insurance claim for damage from an accident or theft—in other words, you have to try to get money from your insurer before you can find out whether they’ll pay for something else! Then there are special provisions for damage caused by firearms or explosive devices, which might require extra documentation if the shooting wasn’t an accident—you may need to prove that your vehicle was shot intentionally.

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Does Car Insurance Cover Bullet Holes? You’d be Surprised., JokosHQ

What Repairs Does car Insurance Cover?

Car insurance covers several repairs on your vehicle, from fixing a flat tire to addressing minor accidents that don’t involve other vehicles.
It doesn’t typically cover major damage. However—something most people assume means anything that involves bullets.

After all, it’s unlikely you’ll be shooting at your car. However, if someone else shoots at your car and hits it with bullets or other projectiles, you may not have to pay for repairs yourself—it depends on what kind of insurance you have and who shot at your vehicle to figure out whether or not you’re covered.

For example, what type of auto insurance covers bullet holes?
If you live in a high-crime area, you’ve probably wondered if your insurance company would pay for damage to your vehicle from gunfire. In truth, it depends on where and how you get shot. To answer that question, we consulted several insurance experts who told us that: Whether your auto insurance covers a shooting incident depends on two things:
1) Where are you when hit.
2) How are you hit.

Should you File an Insurance Claim for Bullet Holes?

Insurance claims are usually complicated, but few will throw you for a loop like one for damage caused by a shooting incident—especially if you’re not sure if your policy covers it.

Many companies provide coverage, but they may require an additional rider on your policy or set limits on how much they’ll payout.
To make sure that any incidents of violence won’t jeopardize your insurance protection, read over your policy carefully and check with your agent to see if there are any stipulations pertaining to gun violence specifically.

If there aren’t, then filing a claim is as simple as following all of the normal procedures and submitting an invoice from a qualified body shop that details what repairs were necessary and how much they cost to perform.

Bullet Holes and Auto Insurance: The Bottom Line

l be covered; conversely, if they were shot intentionally and you are at fault, the chances are that your policy won’t pay out either way. Basically: Check with your insurance company before filing a claim for damages resulting from an intentional act.

Does Car Insurance Cover Bullet Holes? You’d be Surprised., JokosHQ

FAQs on Does car Insurance Cover Bullet Holes?

How much does it cost to repair a bullet hole in a car?

It really depends on a few factors, such as where it’s located and if your auto insurance will pay for it. Most vehicle owners have basic liability coverage, which only covers bodily injury or property damage to others resulting from the ownership, maintenance or use of your automobile, with uninsured motorist coverage if you are found to be at fault in an accident.

How much does it cost to repair a bullet hole in a car?

It really depends on a few factors, such as where it’s located and if your auto insurance will pay for it. Most vehicle owners have basic liability coverage, which only covers bodily injury or property damage to others resulting from the ownership, maintenance or use of your automobile, with uninsured motorist coverage if you are found to be at fault in an accident.


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