Will Car Insurance Cover Firecracker Damage?
Firecrackers and fireworks are common during holidays like New Year’s Eve and the Fourth of July, but they can pose a real risk to vehicles. If a firecracker damages your car, whether insurance covers the loss depends on the type of auto coverage you carry.
Comprehensive Coverage Is Key
Firecracker damage is typically covered under comprehensive auto insurance, not collision coverage. Comprehensive insurance protects against non-crash-related incidents such as fire, explosions, vandalism, theft, falling objects, and weather events.
If a firecracker causes burns, paint damage, broken windows, or interior damage, comprehensive coverage generally applies. Without comprehensive coverage, repairs would likely need to be paid out of pocket.
Examples of Covered Firecracker Damage
Common firecracker-related vehicle damage includes scorched paint, cracked windshields, melted trim, or fires inside the vehicle. Damage may occur while a vehicle is parked at home, on the street, or in a public parking lot.
As long as the incident was sudden and accidental, comprehensive coverage usually applies, regardless of whether the damage occurred on your property or elsewhere.
What If Someone Else Caused the Damage?
If another person set off the firecracker, their homeowners' or renters' insurance may be responsible for the damage under personal liability coverage. For quicker repairs, you can submit a claim to your own insurance provider, and your insurer may use subrogation to pursue payment from the accountable party. The victim may still be covered if the fireworks were set off illegally, but the person who was at fault may be subject to legal repercussions.
Considerations for Claims and Deductibles
Comprehensive claims are subject to the deductible. If the cost of repairing the damage is less than or equal to your deductible, filing a claim may be unnecessary. Multiple claims can also affect future premiums, so it's critical to weigh the options.
Steps to Take After Firecracker Damage
Document the damage with photos and videos, report the incident promptly, and file a police report if vandalism is suspected. Keep repair estimates and receipts for your claim.
Conclusion
Car insurance can cover firecracker damage—but only if you carry comprehensive coverage. Reviewing your policy before holiday celebrations can help ensure you’re protected when unexpected damage occurs.
