Can I claim compensation for the damages caused by the car wash tunnel?
This is one of the frequently asked questions we often get to hear at Arte Insurance.
And that’s quite obvious as many cars end up with scratches, dents, chips, and other damages as they go through the car wash tunnel. Such damages are generally caused by faulty equipment or negligence.
Will your insurance cover car wash tunnel incidents?
In this article, we will highlight how auto insurance can cover damages from a car wash and what policy can cover them. Let’s get started.
Can My Auto Policy Cover the Damages Caused by Car Wash Tunnel?
Well, the most straightforward answer is—it depends.
You may or may not get compensation for car damages caused by car wash, but it depends on the circumstances.
However, we need to understand certain points.
Firstly, car insurance is designed to cover physical damages in the event of accidents, weather, vandalism, and many more. However, it may not cover routine wear and tear.
So what does this mean?
Your car insurance provider may not cover scratches or other damages caused by the car wash. Keep in mind that any damages from a car wash that aggravate a pre-existing problem on your vehicle, such as rusting paint or bubbling, may not be covered. This is because they are classified under normal wear and tear from before the car wash.
What Conditions May Make Me Eligible for Car Wash Tunnel Coverage?
By this point, you must have understood that getting coverage for damages caused by car wash tunnels can be tricky.
You can still ask for compensation in certain conditions.
If you think your car damages are caused by car washing staff negligence, you can ask for compensation. Negligence on the part of the car wash staff can be any situation.
For example, your car washer was aware of the potential safety risks or hazards but did not take any action to address them. Maybe it was poor equipment or the lack of instructions. You are still eligible for compensation if there was no signage to explain to drivers how to enter a car wash tunnel.
However, you might not be given coverage if you were in control of your vehicle, such as accidentally ramming into washing machinery.
Can a Car Wash Waiver Protect Them Completely?
Many car washes require customers to sign waivers before a wash, aiming to protect themselves from liability for potential damage. However, these waivers might not be a complete safeguard. If you can prove the car wash was negligent, their insurance could still be responsible for covering repair costs.
Which Insurance Coverage Protects Against Car Wash Damages?
If your vehicle suffers damage beyond normal wear and tear, it’s important to understand which insurance coverages can help you recover the costs.
In most scenarios, your comprehensive or collision coverage can protect against damages, depending on the nature of the incident.
Collision Coverage:
This coverage protects your vehicle against the damages caused by a collision with another object. For instance, if your car bumps into wash equipment or another car during a wash, you are eligible for collision coverage.
Comprehensive Coverage:
This coverage protects against the damages caused by incidents other than a collision. It is an important coverage you consider for vehicle damage during car washes. It can protect you against the damages caused by dents, water, and faulty equipment.
But What If Your Car Damages the Wash Machinery or Causes Bodily Injury?
Liability coverage covers the property damage or bodily injury caused by your vehicle. It is an important coverage for drivers required by almost all states. You can consider it if your car damages any machinery or causes bodily injury to any person during the car wash.
Let’s say you are not able to control the car as your foot slips off the brake while entering a car wash. As a result, you hit the wall. In this scenario, your liability insurance would cover the damage done by your car.
However, if the car wash malfunctions and causes damage to your car, the business is responsible for the costs as we have already said. They have liability insurance for these situations.
What to Do After Car Wash Damage?
If you discover damage to your vehicle after a car wash, it’s important to act swiftly.
Notify your insurance company immediately. Tell them in detail about the incident.
An insurance adjuster will evaluate your claim to determine both the coverage and the cause of the damage. Obtain repair estimates, as your insurer may either pay you directly or cover the repair shop costs, but remember that your deductible will apply.
To strengthen your case, take photos of your vehicle before and after the car wash to document the damage. By following these steps and understanding your options, you can safeguard your financial interests after a car wash mishap.
The Bottom Line
Car wash damage coverage depends on the specifics of your insurance policy and the circumstances of the incident. While comprehensive coverage may assist, understand your policy’s terms, including any deductibles and exclusions. Always review your policy and consult your insurer for clarity.
To minimize the risk of damage, exercise caution at car washes. Remove loose items, fold in mirrors, and follow the car wash’s instructions carefully.
Understanding your coverage can help you get the financial assistance you deserve. By understanding your coverage and taking preventive measures, you can protect both your vehicle and your wallet. To learn more about auto insurance, get in touch now with us.
