Protest/Riot Damage: Who Pays?

No Curfew In Charlotte

CHARLOTTE, NC -- Windows smashed. Buildings spray painted. Cars pummeled.  This is just some of the damage from the protests turned riots in Uptown Charlotte.

It all stems from an officer involved shooting Tuesday. Police say Keith Scott had a gun. His family says he wasn't armed. Either way, Keith Scott is dead. And another family, community and city is grappling with issues of police mistrust and the death of a black man at the hands of police. 

The protests started quietly near the scene of the shooting but soon moved to sections of I-85 Tuesday and on Wednesday the Uptown area was full protestors turned rioters with looting of local businesses. 

It's costly for businesses and for the average everyday person who's car might have been parked in the middle of it all. Christopher  Cook of Alliance Insurance says vandalism or malicious mischief is covered under home owners or business insurance policies. 

The city doesn't pay,  this is going to be hit to the wallet for the business owners. If your car was in the middle of a protest and got damaged, your auto policy would cover it. You'll pay a deductible of course on both and the premium rate for both could go up. Many insurance companies give discounts to clients for being incident-free. and technically these vandalism claims would be considered an instance.


With so much damage from the first two nights, there was almost an expectation of a curfew. But, no. "We don't see a need to definitively shut the city down at a specific hour because we can't anticipate. What we do know is that we have the resources now to protect infrastructure and to be a lot more proactive," explained Charlotte Police Chief Kerr Putney.

Emergency curfews aren't all that out of the ordinary and they can be used for various reasons. Just last month, a part of Louisiana was put on curfew from dusk to dawn because of flooding. Curfews can be generic, to simply cut down on traffic in an area, or they can be very specific, telling people they cannot even stand or walk in a certain area. 


The "resources" the police chief talked about  come in the form of the State Highway Patrol and the National Guard. In North Carolina, there are almost 12,000 citizen soldiers and airmen living in every county across the state.

They are trained in police and security tactics. When the National Guard is activated by a Governor, they respond within that state's jurisdiction and are under the Governor's command.

The last time the guard was activated in North Carolina was this past January. The Governor had 100 guardsman helping during the power outages from the winter storm. 




(© 2016 WFMY)


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