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Is it covered under comprehensive or collision when your vehicle is parked unoccupied at a restaurant and you do not know who hit you?

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2005-11-07 01:48:50
2005-11-07 01:48:50

Unless it was an animal that ran into your car it would be Collision coverage that would apply.

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The structure is covered but the contents of the restaurant are not. For instance, your ovens, sinks, dishes fixtures, tables,etc would not be covered. You must have liability insurance for the CONTENTS of the restaurant. I don't know everything about insurance, but I do know that liability insurance won't replace your furnishings. You will need the commercial equivalent of the comprehensive part of Homeowners Insurance.

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Yes it is. If you are talking about auto coverage, you would be covered under comprehensive, collision, personal injury protection, and medical clauses if you so choose.

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That should be covered by comprehensive insurance and the insurance company will pay for damages minus any deductable.


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