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Does auto insurance cover bullet holes?

The lowdown...
  • Bullet holes have the potential to damage the body and windows of a car
  • Basic auto insurance only covers crashes
  • You need to have comprehensive coverage on your policy

If your car ends up with bullet holes, you want to be able to file a claim with the insurance company. Repairs could involve the body, window replacement, and much more. How the bullets hit the car will play a role in whether auto insurance covers the damage or not.

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How did the bullets hit the car?


How the bullets hit the car are going to factor into whether insurance covers the claim or not. When you call to file the claim, insurance will want to know all of the details including where your car was parked, when you noticed the bullet holes, and if you saw what happened.

An investigation might have to be carried out before determining if you were at fault or not.

Some reasons for being hit with bullets include:

  • Attempted hit and run
  • Vandalism
  • Terrorism/riot
  • Police activity
  • Parked too close to outdoor shooting range

A basic auto insurance policy is only going to take care of what’s related to a car accident. Bullet holes are not caused by a car accident, which means you have to look at having coverage above and beyond what the state requires of you.

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Why Comprehensive Coverage is Necessary

Since basic insurance isn’t going to cover you, it’s a must to add comprehensive coverage to your policy. When you have comprehensive coverage, you will be protected against such things as:

Essentially, comprehensive coverage takes care of everything that is non-driving related.

Adding comprehensive to your policy is easy. It’s not required by the state, but it does provide additional financial protection to you.

When you get online quotes, it’s possible to add in for comprehensive coverage.

The quotes will allow you to continue adding coverage to see what you can and cannot afford. Once you reach a level where you feel you have adequate coverage and can afford the premiums, you can buy a policy with confidence.

When you have comprehensive coverage in place on your policy, it’s easier to call and file a claim with the insurance company.

Comprehensive coverage will increase the probability of the claim being accepted so you aren’t financially responsible for repairing the damage from the bullet holes.

The only thing you might be obligated to pay is the deductible. Even then, if you can prove someone else is responsible, they might be required to cover the deductible on your behalf.

Other Ways to Explore Getting the Bullet Holes Covered


If you don’t have comprehensive coverage, you won’t be able to file a claim with the insurance company. However, that doesn’t necessarily mean that you won’t be able to get the bullet holes repaired.

If your vehicle got shot at while on private property, you might be able to sue the person or company who owns the land because they are responsible for what happens on their property.

As long as it’s possible to show that the owners were negligent, you could be awarded damages.

The time it takes to file a lawsuit and go through the process could be substantial. If you had comprehensive coverage, you could have simply filed a claim with the insurance company. Then, insurance might have chosen to go after the individual or company to be compensated.

In the end, you have to look at what’s needed on an auto insurance policy to be protected. You never know what’s going to happen. Someone could shoot at your car on purpose or on accident.

The bullet holes shouldn’t be your financial responsibility to repair and therefore you want to file a claim quickly to be done with it all.

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