In the unfortunate event that your beloved car is vandalised, how do you cover the cost of repairs? Does auto insurance provide coverage for this type of damage? Keep reading to find out.
Does Auto Insurance Cover Vandalism?
If you have comprehensive auto insurance, your car is insured against a number of things, including vandalism. However, without full coverage, vandalism-related damage is not covered. Read your policy carefully to ensure it includes comprehensive coverage, or call your insurance provider if you are unsure.
Your comprehensive auto insurance may cover the following vandalism-related damages:
- Smashed windows
- Slashed wheels
- Car-jacking
- Having your car’s locks glued and painted
Comprehensive coverage is essential. Once you know you have coverage, simply follow your normal claims process as required.
Should You File a Claim Following Vandalism?
If your vehicle is badly damaged, file a claim. Insurance claims are not always practical. If your car’s damage is minor, it is often better to pay cash. The reason for this is that a claim for minor damage could raise your auto insurance costs (although not as much as other claims). It is best not to file a claim if repair costs are equal to, or slightly over, your deductible. Get a few quotes to help you determine what to do.
Will a Vandalism Claim Raise My Insurance Premium?
No, unlike a fault-based accident, vandalism claims seldom raise premiums. So you can breathe easy when filing your claim. But keep in mind that any deliberate damage, like spray painting or decorating your car for a festival or contest, isn’t covered.
How to File a Vandalism Claim
If you have decided to claim from your insurer for vandalism, follow these tips for a seamless and speedy claim:
- Record the Damage: After assessing the situation and ensuring it is safe, document the vandalism. Before cleaning or relocating, take many photos. Record when and where you parked your car and when you noticed the damage.
- Gather Eyewitness Accounts: Write down the names and contact details of any witnesses, as well as any helpful information that they provide
- File a Police Report: To claim for vandalism damage, you will need to submit a case report at your local police station. Including your car’s manufacturer, model, and VIN are crucial.
- Contact Your Insurer: Contact them as soon as possible to report damage. Depending on your vehicle insurance provider, you may do this online, by phone, or using an app.
Your auto insurer may require you to use a certain repair shop. If you prefer choosing the repair shop yourself, you may have to pay out of pocket for the repairs.
