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Are fireworks part of a traditional New Year's Eve celebration? For us AND! But who listens to us. Every year at the turn of the year, the discussion about the associated fine dust pollution becomes heated. Apart from the fact that fireworks are extremely dangerous for animals, the general question arises as to whether they should be used at all in such (conflict) times. The vast majority of polls conducted in Germany are said to be in favor of a ban. However, in such surveys we always ask ourselves: Who was actually asked here? Those who also cheer for our climate stickers? Possible! Back to topic... What can you do if firecrackers or rockets damage your car? Will that from the car insurance covered?
Which insurance covers damage?
If legal firecrackers and rockets are fired properly on New Year's Eve, the risk of damage to vehicles is usually low. A burned-out missile that hits the car directly usually does no damage. Burning vehicles are practically not to be expected. Even soft-top convertibles don't burst into flames, and there aren't any visible burn marks either. However, fireworks or smoldering firecrackers shot directly at or against the car may damage the vehicle's paintwork. You should therefore park them in quiet side streets, garages or multi-storey car parks on New Year's Eve to avoid such damage.
There is also the option of using special heat-resistant protective covers, such as a car cover that specifically protects against hot parts. Parking under a tree can also provide some protection, as the branches will slow down the skyward rockets as they return. If you set off fireworks or similar yourself, you should of course not do so near parked cars. Urgent: On New Year's Eve, never set off firecrackers from a car roof, from other vehicle parts and certainly not from the exhaust pipe. Even with category 1 and 2 fireworks, the heat generated when igniting is so great that the paintwork or the entire vehicle can be damaged.
Does comprehensive insurance cover damage to the car from fireworks on New Year's Eve?
The "sender" of the projectile is usually responsible if damage occurs. The person who caused the damage can claim the damage through his private liability insurance. The partially comprehensive insurance covers the costs for fire and explosion damage as well as the costs for broken windows. However, it does not cover any costs for damaged convertible tops if the causer cannot be identified or if the compensation is unsuccessful for other reasons, which is (unfortunately) the case in most cases. The fully comprehensive insurance covers damage caused by vandalism.
Short overview:
- comprehensive insurance: Collision damage waiver covers damage to cars caused by explosions or fireworks. Comprehensive insurance provides compensation if cars are vandalized on New Year's Eve without anyone being caught. The fully comprehensive insurance also covers damage to convertible roofs.
- Household insurance: It protects against damage to furnishings caused e.g. B. caused by fire or extinguishing water.
- Home Insurance: It replaces damage to buildings caused, for example, by setting off fireworks.
- Private liability insurance: It protects against damage caused by the insured person attending a party in an apartment and using pyrotechnics, for example, or when young people handle fireworks and injure others.
- Private accident insurance: This insurance provides benefits to people who are injured while handling fireworks and suffer irreversible damage as a result. However, the costs of medical care are covered by health insurance.
How to protect cars from fireworks damage on New Year's Eve?
Any traces of smoke left by the fireworks can be removed with a good paint polish. In the case of major damage to the car, a specialist (expert) should always be consulted. After New Year's Eve, car owners should report dents, cracks in the glass or burn holes and first ask their insurance company whether and to what extent the damage is covered. It is also advisable to photograph the damage immediately to facilitate claims settlement.
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