Is Spilling Bleach Inside a Car Covered in Car Insurance?
Bleach damage can dramatically change the interior appearance of any vehicle. When such damage occurs, many consumers wonder whether their insurance companies will pay the cost of restoration. There are several things you should know about your insurance coverage before filing a claim for bleach damage.
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About Comprehensive Insurance Coverage
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Comprehensive coverage is designed to pay for damages to the inside of your vehicle resulting from perils other than collision. This coverage includes theft, vandalism and things that may fall on the vehicle while it is not in operation. If the bleach damage occurred due to a covered peril, your insurance may cover the costs.
Claims Below Your Deductible
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If the cost to fix the bleach damage is lower than your comprehensive deductible, it may be best to pay for it out of pocket. Filing a claim is only to your advantage if the cost of repair is more than your deductible.
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Increased Insurance Premiums
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If you file a claim for bleach damage, the insurance company might increase your premium when you renew your policy. Consider the overall costs when deciding whether to file such a claim.
Intentional Damage Isn't Covered
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If you, or someone covered by your policy, have damaged the inside of the vehicle intentionally, your insurance company is not likely to pay for the claim.
Negligence Claims May Be Denied
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If the bleach was spilled due to your negligence or that of another policy holder, the insurance company is not likely to pay the claim.
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References
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