Does auto insurance cover shopping cart damage?
When shopping carts collide with vehicles, the damage can be extensive. Learn about the different types of car insurance coverages available to protect against these damages.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Sep 4, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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When people shop at retail stores, they frequently fail to return their shopping carts to the designated areas, resulting in runaway carts. The last thing anyone wants is to leave a store and discover their car has been damaged by a shopping cart. Unfortunately, this is a common occurrence. Additionally, there are various concerns related to shopping carts, such as the law regarding shopping carts hitting a car in a parking lot, incidents like a lady hitting your car with a shopping cart, and even fecal matter found on shopping carts.
So what happens when a shopping cart damages your car? Do you call the insurance company? Are you covered for that kind of incident? Read on to find out.
Before you learn more about how shopping cart damage is covered by your auto insurance, see how much you could be saving. Compare car insurance quotes today by using our free rate tool above.
- Auto insurance will typically cover damage caused by a shopping cart if you have full coverage
- The repair costs for shopping cart damage can be a few hundred dollars or more
- Filing a claim for minimal damage caused by a shopping cart is only beneficial if the repair costs exceed your deductible
Does car insurance cover shopping cart damage?
Not all auto insurance types cover shopping cart damage, so make sure you know your options for shopping cart damage and auto insurance. You might be thinking, “A shopping cart hit my car; does collision or comprehensive insurance cover this?”
In some instances, it might be covered. However, basic liability insurance won’t protect you since it doesn’t cover damages to your own vehicle. For damage to a car caused by a grocery cart, you’ll need comprehensive coverage and collision coverage, which are types of covers for shopping carts. The applicable coverage depends on the incident’s cause — for example, whether wind rolled the cart into your car or another person was responsible. To ensure you’re covered, it’s best to have both. For instance, if a Lowe’s shopping cart hit your car, having both types of coverage would be essential.
Even if your policy covers shopping cart damage, it might be more cost-effective to pay for the repairs yourself rather than paying the deductible and having your insurance company handle the cost. For minor issues like damage from a shopping cart, paying out of pocket is often the best choice. Keep in mind that filing a claim can increase your insurance rates. When comparing scratch and dent insurance, consider this factor. Additionally, be aware of the definition of a vehicle and note the number of shopping cart-related deaths per year.
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Is the store liable to pay for the damage to your car?
In most cases, you can’t make a strong case that the retailer is at fault for shopping cart damage to your vehicle. If the store provides a safe place to store carts, it’s generally not responsible for customers failing to use it. To have a legitimate case, you would need to show there was negligence on the part of the business.
What does shopping cart damage look like?
Typically, a shopping cart usually causes only minor scratches or dents, without resulting in broken glass or significant bumper damage. However, if the dents are in a hard-to-repair area, the repairs may be more extensive. This highlights the importance of understanding the potential damage a shopping cart can cause to a car, considering stores responsible for shopping cart damage, and the need for liability insurance for pushcarts. Additionally, unusual incidents like the burning of a shopping cart can also affect liability and damage assessment.
How much will it cost to repair the damage?
The expense of repairing shopping cart damage can differ. Sometimes, a straightforward paintless dent repair is sufficient, and in some cases, you might be able to fix the dent yourself, depending on where it is. It’s essential to consider the cost of insurance for vehicle transport damage, especially if a Walmart employee damaged your car or if you need insurance for trolleys.
You’re probably looking at minor repair costs, but it could be more depending on the extent of the damage. Small dents of an inch or so in size may only cost around $100 to repair, while major ones can cost hundreds or thousands to fix — it all depends on the dent size, vehicle type, and damage location.
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Finding Auto Insurance That Covers Shopping Cart Damage
Now that you understand auto insurance likely covers damage from incidents like a shopping cart zip-tied to a car and know the typical repair costs, you can begin searching for a suitable policy. Ensure you have both comprehensive and collision coverage, rather than just basic liability, to guarantee that you can file a claim if you encounter damage from a shopping cart, such as if you scratched a car with a shopping cart. Additionally, familiarize yourself with the procedures for reporting abandoned shopping carts to prevent similar issues in the future.
If you’re looking to change companies because of a rate increase after a shopping cart collision claim, shop around. Enter your ZIP code into our free rate tool below to get started.
Frequently Asked Questions
Does auto insurance cover shopping cart damage?
Not all auto insurance types cover shopping cart damage. Comprehensive coverage and collision coverage are types of property damage coverage that can protect against shopping cart damage. It’s recommended to have both coverages to ensure you’re covered in such incidents.
Is the store liable to pay for the damage to your car?
In most cases, the store is not liable for shopping cart damage to your vehicle. Unless you can prove negligence on the part of the business, it’s unlikely that the store will be responsible for the damage.
What does shopping cart damage look like?
Shopping cart damage can range from small dings and scratches to larger dents, depending on the speed and force of impact. Typically, you won’t experience broken glass or significant damage to your bumper, but repairs may be more extensive if the dents are in difficult-to-repair spots.
How much will it cost to repair the damage?
The cost to repair shopping cart damage can vary. Minor repairs, such as paintless dent repair, may cost around $100. Major repairs could cost hundreds or even thousands of dollars, depending on factors like the size of the dent, vehicle type, and location of the damage.
How can I find auto insurance that covers shopping cart damage?
To ensure coverage for shopping cart damage, it’s important to have comprehensive and collision coverage in your auto insurance policy. If you’re looking to switch insurance companies due to a rate increase after a shopping cart collision claim, it’s recommended to shop around and compare quotes from different providers.
Who is responsible if a shopping cart hits my car?
Generally, the store is not responsible for shopping cart damage unless you can prove negligence, such as improper maintenance or unsafe cart storage. Most often, the responsibility falls to the vehicle owner’s insurance for coverage.
What happens if a shopping cart hits your car?
If a shopping cart hits your car, the damage could range from minor dings and scratches to larger dents. The next steps involve assessing the damage and determining whether to file an insurance claim or pay for repairs out of pocket.
If a shopping cart hits my car, is it collision or comprehensive?
Damage from a shopping cart could be covered under comprehensive insurance if the cart was blown into your car by wind or abandoned. Collision insurance might cover the damage if the cart was in motion and hit your car due to another party’s negligence.
What to do if someone hits your car with a shopping cart?
If someone deliberately or accidentally hits your car with a shopping cart, document the damage, gather any witness statements if possible, and contact your insurance company. If the incident was caused by another person’s negligence, their liability coverage might apply.
Is Walmart responsible for shopping cart damage?
Walmart is generally not liable for damage caused by shopping carts unless you can prove the store was negligent, such as not providing a safe area for cart storage or failing to maintain carts properly.
Does insurance cover shopping cart damage?
Yes, insurance may cover shopping cart damage if you have comprehensive or collision coverage. Comprehensive coverage often applies to incidents involving objects hitting your car, while collision coverage applies if the cart was moving due to another party’s actions.
Do insurance companies cover parking lot accidents?
Yes, insurance companies typically cover parking lot accidents, including those involving shopping carts. Coverage would depend on whether you have comprehensive or collision insurance.
Does car insurance cover bumper damage?
Car insurance can cover bumper damage if you have collision or comprehensive coverage. Collision insurance applies if the damage results from a collision, while comprehensive insurance covers damage from other causes, including objects like shopping carts.
Does comprehensive insurance cover hit and run?
Comprehensive insurance generally does not cover hit-and-run incidents. Instead, collision coverage or uninsured motorist coverage may apply in such cases, depending on the specific details of the accident.
Does a hit-and-run fall under collision?
Yes, a hit-and-run typically falls under collision coverage if the other driver is not identified. Collision insurance covers damage to your vehicle from a collision with another vehicle or object.
How much does a shopping cart cost?
A shopping cart generally costs between $100 and $300, depending on its size and features.
How much weight can a shopping cart hold?
Most shopping carts are designed to hold between 200 and 300 pounds.
If I scratch another car, what should I do?
If you scratch another car, you should leave a note with your contact information and report the incident to your insurance company. If possible, take photos of the damage and any relevant details.
What to do if you scratch a parked car?
If you scratch a parked car, leave a note with your contact information and report the damage to your insurance company. Document the damage with photos if possible.
What to do if you scratch someone’s car?
If you scratch someone’s car, it’s important to take responsibility. Leave your contact information on the car and report the incident to your insurance company. Document the damage and any relevant details.
What is the definition of a vehicle?
A vehicle is any means of transportation that is used for carrying people or goods. This includes cars, trucks, motorcycles, bicycles, and other conveyances.
Who picks up abandoned shopping carts?
Abandoned shopping carts are typically collected by store employees or a third-party service hired by the store to manage cart retrieval.
Who repairs Walmart shopping carts?
Walmart shopping carts are usually repaired by in-house maintenance teams or contracted service providers responsible for cart upkeep and repair.
Where is the nearest Progressive collision center?
To locate the closest Progressive auto body shop nearby, you can use Progressive’s website or app. They offer a feature that allows you to enter your ZIP code or address to find the nearest authorized repair center. Alternatively, you can reach out to Progressive customer service for help.
What should I do if my 2-year-old fell out of a shopping cart?
If your 2-year-old falls out of a shopping cart, you should:
- Check for Injuries: Immediately check your child for any visible injuries or signs of pain.
- Seek Medical Attention: If there are any signs of injury, confusion, or if you have any concerns about their condition, seek medical attention right away. It’s better to be cautious, as some injuries may not be immediately apparent.
- Comfort and Reassure: Comfort your child and reassure them to help calm them down after the fall.
- Report the Incident: Inform the store management about the incident so they can take any necessary steps to prevent future accidents.
Where can I find a Geico auto body shop near me?
To find a GEICO auto body shop near you, visit Geico’s website and use their Auto Repair Xpress® locator tool. Enter your ZIP code or address to find the nearest authorized repair shop. You can also call GEICO’s customer service for assistance in locating a nearby shop.
How can I contact Buggies Towing in Indiana, PA?
To contact Buggies Towing in Indiana, PA, you can:
- Phone: Look up their contact number in a local directory or online and give them a call.
- Website: If they have a website, it will typically have their contact information and possibly an online contact form.
- Visit: If you are nearby, you can visit their location in Indiana, PA, for in-person assistance.
Should you call your insurance for door dents?
Whether you should call your insurance for door dents depends on several factors:
- Severity of the Damage: If the dent is minor and the repair cost is less than your deductible, it might be cheaper to pay for the repairs out of pocket.
- Deductible Amount: Consider your deductible amount. If the repair cost is significantly higher than your deductible, filing a claim might be beneficial.
- Potential Impact on Premiums: Filing a claim could lead to an increase in your insurance premiums. Weigh the cost of the repair against the potential increase in your premium.
- Coverage Type: Check if your policy covers such damages under collision or comprehensive coverage. If you’re unsure, contact your insurance company to discuss your options.
Where can I find shopping cart dents in New York?
To find information about shopping cart dents in New York, you can check local news sources, community forums, or social media groups where people might discuss such incidents. If you’re looking for specific locations or repair services, contacting local auto repair shops or car detailing services in New York might also be helpful.
Where is the nearest Allstate auto body shop to me?
To find the nearest Allstate auto body shop, you can use Allstate’s website or mobile app. They offer a tool to help locate authorized repair shops by entering your ZIP code or address. Alternatively, you can call Allstate’s customer service for assistance in finding a nearby auto body shop.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.