Before we discuss vandalism coverage, let’s define what auto vandalism is in the first place.
What Is Auto Vandalism?
Auto vandalism is whenever anyone intentionally damages or defaces your car. It does not include damage from weather, potholes, or auto burglary.
Auto Vandalism Examples
Here are some different types of auto vandalism:
- Slashed tires
- Broken windows
- Keyed cars
- Broken taillights, headlights, or windows
- Spray paint damage
- Sugar or other substances in the gas tank
When Does Auto Insurance Cover Vandalism?
Vandalism coverage is not usually available on its own but included under the umbrella of comprehensive coverage. While property damage liability, required by every state except New Hampshire, covers damages that you or another driver made to your car or another piece of property, it doesn’t cover vandalism, as the vandal isn’t another driver but a pedestrian. In sum, auto insurance covers vandalism only if you have comprehensive coverage.