Wind damage

[CruisnGrrl]

More of a car question but I guess it would be akin to a bike being blown over by the wind.

My friend's van door got caught by the wind today (saturday, gusts up to 90km/r) causing it to over extend when it was being opened which in turn bent the door hinge & front 1/4 panel. what coverages would she need for it to be covered and would filing a complaint raise her rates?

 

[31Smokinjoe]

I'm pretty sure that goes under comprehensive. It doesn't affect the rates but too many claims and they cancel it.

 

[Platinum Cycle]

Yes comprehensive or Specified Perils will cover it.

 

[Aleks Hara]

Check the deductible to see if its even worth claiming - as stated before, it's a comp claim, so no direct impact to record, but if you start getting a few of these a year, companies will start asking questions or limit/exclude certain coverages.