Our readers have flooded us with questions about auto vandalism, a topic that doesn’t get discussed enough. We’ve answered your most common questions below.
What type of insurance covers vandalism?
The type of auto insurance that covers vandalism is comprehensive coverage. Comprehensive coverage includes damages from things other than drivers, such as hail, potholes, and vandalism.
Is vandalism covered by auto insurance?
Vandalism is only covered if you have comprehensive coverage. Property damage only covers damages from other drivers, not vandalism.
What should I do if my car is vandalized?
Take these steps if your car is vandalized:
- Write down all of the damages.
- Take pictures.
- File a police report.
- File a claim with your insurance provider that includes the police report, notes, and photos. If the repair costs are less than your comprehensive deductible, pay for the repairs out of pocket.
- Get your car repaired.
- If you filed a claim and it’s covered, get reimbursed for the repairs.
Does car insurance go up after a vandalism claim?
Most likely, yes, your car insurance will go up after a vandalism claim. That’s why it’s not worth it to file a claim if the repair costs are less than your comprehensive deductible.