Does car insurance cover a bullet hole?

Car insurance covers bullet holes if you have comprehensive coverage, but it may not always make sense to file a claim in this scenario. You'll want to check your deductible before filing a claim for bullet hole damage.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 20, 2022

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Things to remember...

  • Comprehensive coverage can help you cover the repair costs associated with damage from bullet holes and riot damage
  • If you were involved in the shooting, there might be an exclusion in your auto insurance policy
  • Insurance may cover the cost of replacing your car door if it was damaged because of a bullet hole, but minor surface damage may not meet your deductible

Bullet holes can cause a lot of damage to your vehicle. They may not be a common occurrence for most people, but you never know if your vehicle could become the victim of a stray bullet. That’s why it’s important to find insurance that will cover the cost of damage caused by a bullet hole.

Without insurance, you could spend a lot of money out of pocket to repair body damage or other issues caused by bullets, riots, or other violence and vandalism. So let’s look at how car insurance works for bullet damage and what you need to know to ensure you’re covered. 

Does car insurance cover bullet holes? 

To ensure you’re covered, you’ll need comprehensive auto insurance coverage. This type of coverage applies to non-collision incidents, including things like vandalism. As long as you weren’t directly involved in the shooting, comprehensive coverage should apply in the case of bullet damage.

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What’s the total cost of the damage? 

Is it worth ensuring you have bullet hole coverage in your insurance policy? Consider the costs of repairs if you don’t. Some issues you might experience with bullet holes include:

  • Damage to the body of the car
  • Broken windows
  • Flat tires

The cost of bullet hole repair varies depending on the size of the hole and the amount of damage. If it caused more than just body damage to the vehicle, you could be looking at a much higher bill. Contacting an auto body repair shop would be your best bet to get an accurate estimate for your specific situation.

Will auto insurance cover replacing a car door due to a bullet hole?

Insurance companies will often replace your car door if it was damaged because of a bullet hole. However, this only applies if it’s damaged enough to be non-functional or unsafe.

Otherwise, you’re looking at a surface repair, which may not meet your car insurance deductible. You’ll likely have to pay out of pocket for that damage.

How to File a Claim for Bullet Damage

Once you know how much it will cost to repair your vehicle, you can decide if it’s worth going through insurance or if you’d rather pay out of pocket. Paying out of pocket might be the better option when considering that your insurance premium could go up after a claim. But, ultimately, it depends on the extent of the damage.

If there’s enough damage to rack up a significant repair bill, then you’ll want to prepare to submit your information to your insurance company. To file a claim for bullet hole damage to your car, contact your insurance company online or via phone, and they can walk you through the process. You’ll probably have to submit photos or visit a claims adjuster to go over the damage and review your claim.

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Getting Insurance Coverage for Damage Caused by Bullet Holes

Depending on the type of insurance you have, you may be covered for damage caused by a bullet hole. Not all levels of insurance offer the same protection, though. So if you’re concerned about the possibility of bullet damage, you may have to shop around for an insurance policy that’s more complete than your current plan.

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