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Is shopping cart damage covered by insurance?

The lowdown...
  • Damage to your vehicle can occur from a variety of sources
  • Having the right kind of coverage is important so that damages are paid for, regardless of the origin of the damage
  • Collision insurance only covers costs due to a car accident
  • Comprehensive insurance is required for this type of claim

Having current car insurance is important. Car insurance covers you in an accident and ensures you that your damage will be covered in those unpredictable situations. But there are some incidents that you wonder if they will be covered by insurance.

Consider this scenario. You are walking to your car with your groceries downhill from the grocery store or supermarket when your shopping cart gets away from you. You try to catch up with your cart, but it seems to have a mind of its own.

Before you can get to your car, the cart runs head first into your tail light and breaks it!

What do you do? Will insurance cover this?

Now consider another scenario.

You are coming out of the shopping center, and this time you see two individuals deliberately running a shopping cart up against your car then making a dash for it. When you get to your vehicle, you discover that they have not only put two severe scratches on the side of your vehicle but also broke a rearview mirror in the process!

If you have experienced anything similar to these scenarios and, as a result, need better coverage, compare at least three to four policies today! Enter your ZIP code above to find the best auto insurance rates for you!

Will insurance cover this?

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Let’s look at both of these situations. They seem to have the same outcome: a shopping cart has damaged your vehicle. But actually, they are a bit different.

In the first scenario, you are going about your business with your shopping cart when it gets away from you.

The shopping cart inadvertently damages your car before you can catch up with it; this is an accident and not your fault.

In the second scenario, your car is vandalized intentionally by thugs. You are the victim of a crime.

You should report the second incident immediately so that police will have a place to start to identify the people who did the damage. They should also be prosecuted so that justice is served.

Reporting a Criminal Offense

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Whether or not you can locate the people who damaged your vehicle, it is important to get the police involved in such a scenario since it was a crime. In fact, it is your ethical responsibility to alert the police as to the crime.

Informing the police may help you find the culprits whom the court may order to help pay for damages and prevent these people from doing the same thing to others.

Some states such as Texas have laws that count it a crime to fail to report such incidents because it could endanger others. Also, you need to report it to your insurance company so that a claim can be filed.

Will insurance pay for damages?

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The fact that your vehicle was damaged in a crime is not equal to knowing that it will be covered by insurance.

With insurance, if damage or loss occurs, insurance will pay, provided you have the right type of coverage.

Regarding whether insurance will pay for the damages, the answer should be “yes” in both cases.

Why? Because both of these examples are examples of an incident that does not involve a car accident on the road.

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It is important to know that many people mistakenly believe that collision insurance will cover this situation. Collision insurance only covers actual car accidents on the roadways.

To cover an incident involving objects such as a shopping cart, you must have comprehensive insurance.

Collision will cover damage to your vehicle from an accident even if you are at fault. But the shopping cart accident does not qualify for a car accident, so it must be covered by comprehensive insurance.

What else does comprehensive insurance cover?

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Comprehensive insurance comes in handy in a variety of situations. When you are not driving on the roads, it is a reality that your car is still sometimes in harm’s way.

Simply having your vehicle parked on a busy street late at night can make it more vulnerable to theft, vandalism, and other situations.

Comprehensive also covers damage from natural disasters such as:

If you have comprehensive insurance coverage, you will get your vehicle replaced even if your car is taken up by a tornado and tossed into the river! That’s a good thing to know, and it proves once again the real value of car insurance.

First Things First

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When you are choosing the type of insurance coverage you need, you should remember the most important things first.

Make sure that you have the minimum liability coverage required by your state. Liability insurance is mandated by law; you will need to show proof of it if you are stopped in a routine traffic check.

After you have verified that you have the minimum liability coverage, you will want to consider the other types of coverage that you need.

Collision coverage is essential because it allows you to have your car repaired no matter who is at fault.

Comprehensive insurance covers the other things outside of road accidents such as:

  • An encounter with a shopping cart or a deer
  • Falling objects
  • Vandalism

You can decide the deductible amount that you will have with your collision coverage as well as for the comprehensive insurance.

To determine this amount, consider how much you can afford to pay on your own before your insurance pays. Use this as a guideline for determining the amount of your deductible.

Comparing Plans to Find Your Best Option

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Finally, even if you are happy with your current car insurance, it’s a good idea to shop and compare other plans to see what is available.

If you currently do not qualify for an auto insurance discount of any kind under your current policy, see if you are eligible for another policy. The discount might be worth the change if it can save you money on insurance.

Remember, like Charles Givens — famous investor and entrepreneur– once said, “The more specific and measurable your goal, the more quickly you will be able to identify, locate, create, and implement the use of the necessary resources for its achievement.”

Having the best insurance is a high-value product worthy of thorough research and paying a bit more if it suits your needs.

Start comparison shopping today for better auto insurance to safeguard your car against shopping carts! Enter your ZIP code below!

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