Does car insurance cover vandalism? It can be upsetting to find out your car was targeted by vandals, whether it’s slashed tires or broken windows. This might leave you wondering if your car insurance covers vandalism.
The good news is that if you have comprehensive coverage, it can cover vandalism since the damage was done on purpose.
Vandalism includes things like key scratches, graffiti, slashed tires, and broken windows. If the repair costs are higher than your deductible, you may want to file a claim.
What Is Car Vandalism?
Car vandalism is intentional damage done to your vehicle. It can happen in different ways, but your car insurance may cover the repairs if you have the right coverage in your policy. Here are some common types of vandalism you might encounter:
Body Harm/Defacement
Using spray paint or sharp tools to scratch the exterior of your vehicle is considered car body damage. While minor scratches can sometimes be buffed out, more severe damage typically requires a new paint job or replacement panels.
Broken Windows
Broken windows like windshields or mirrors always need replacement, and damaged headlights also mandate new parts to be fixed.
Stolen Or Slashed Tires
Your car won’t be able to be driven if its tires are stolen or slashed, so getting it into the repair shop might need a tow truck. However, it’s a good idea to review your policy to find out what your insurance covers.
It’s also important to start the claims procedure as soon as possible if you want your insurance to pay for the repairs after your car has been vandalized.
However, you need to have the appropriate coverage in your policy for insurance to assist in covering the damages.
When Does Car Insurance Cover Vandalism?
Comprehensive insurance usually covers car vandalism and doesn’t need to be purchased separately.
Property damage liability covers repairs to vehicles or other property caused by you or another driver, but it does not cover vandalism since vandals are not driving.
This coverage is required in all states except New Hampshire and Virginia. Vandalism is only covered by auto insurance if you have comprehensive coverage.
What Does Car Insurance Not Cover For Vandalism?
If your car is damaged by vandalism, comprehensive insurance usually covers the repairs, minus your deductible.
However, personal belongings inside the vehicle that were stolen or damaged may not be covered by your auto insurance.
Instead, the loss of personal property is usually covered by homeowners’ or renters’ insurance.
What To Do If My Car Is Vandalized
First, prioritize your safety, as the person who vandalized your car may still be nearby. Leave the area if you feel unsafe. If the situation is secure, quickly assess the damage to your car.
Take photos or videos of the vandalism, including broken glass, debris, and any other signs of damage. If you’re filing a police report, it’s important to leave the scene as you found it so that the police officer can properly evaluate it. This can also be helpful if you need to file an insurance claim.
How To Prevent Vandalism
Preventing vandalism is a good way to avoid repair costs. Start by installing a camera and proper lighting where you park your car, and try to park in busy areas.
Avoid leaving personal items like sunglasses, phones, or small electronics inside your car, as they can be easily stolen. Bags, especially ones that might contain laptops, are also a major target for thieves.
How To File A Car Insurance Claim For Vandalism
Filing a car insurance claim for any type of damage can be difficult. However, some specific methods can simplify filing a claim. The following include;
Take Pictures Of The Incident
You can document the incident by taking photos with your phone. Also, avoid moving your car or removing any debris until the authorities arrive.
Get A Police Report
You should report the damage and loss to the police and obtain an official police report. This can help make the claims process smoother and more straightforward.
Track Of The Claim
Once you report your car insurance claim, you’ll receive a claim number to help track its progress. You’ll also be assigned a helpful representative to answer any questions you may have.
Get Claim Settlement
Depending on the situation, your provider may cover the repair costs or compensate you. The amount you receive will be based on the terms and coverage outlined in your insurance policy.