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Are you a victim of car vandalism? Wondering if your insurance covers it?

Short answer: Yes, your car insurance will cover you if you are a victim of car vandalism.

Are you a victim of car vandalism?  Wondering if your insurance covers it?  - 1 - September 8, 2022

Auto vandalism is expensive, but your insurance coverage can help cover the costs. However, depending on the circumstances, it may not always be worth filing a claim. Thieves have recently attacked catalytic converters in hybrid and electric vehicles in the United States with hacksaws. This has increased robberies.

What is car vandalism?

Deliberate destruction or damage to a car is known as car vandalism. Auto insurance comes in a few different forms, but if you have the right coverage in your policy, it can help pay for repairs.

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Are you a victim of car vandalism?  Wondering if your insurance covers it?  - 3 - September 8, 2022

What insurance covers car vandalism?

Comprehensive auto insurance protects your car against vandalism, theft, and weather-related damage. The following are examples of damage related to vandalism:

  • someone tampering with your car
  • spray paint your car
  • Someone is playing a prank by applying glue to the locks.
  • Your tires are slashed or windows shattered during a riot or road rage.

Full coverage is voluntary in USA. No state requires you to get it. However, comprehensive coverage is included in what is known as a full coverage policy. Adding collision coverage to your policy won’t cost you much more. Damage caused by vandalism is not covered if you do not have comprehensive insurance.

Check your car insurance declarations page if you’re not sure if you have comprehensive coverage as part of your policy. The declarations page, usually attached to the front of your policy, details the extent of your coverage. If you can’t find yours, contact your car insurance company.

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What does the comprehensive insurance cover?

Comprehensive insurance covers theft if your car is stolen. Theft of personal items from your car will be covered by your home, renters, or condo insurance. So even if your car insurance doesn’t cover it, it may be covered under another policy. Car insurance covers riot damage the same way it does vandalism. However, as with vandalism, it may be less expensive to pay for repairs yourself if the damage is not too severe.

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Before your insurance coverage kicks in, you’ll have to pay a deductible, so if the repairs are less than your deductible, it’s best to pay for them yourself. Before you decide to make a claim, it’s a good idea to get a repair estimate from an independent insurance agent.

Steps to take to file a vandalism car insurance claim

doYou are a victim of car vandalism? Yes, your car is dear to you and damage to your car would have broken your heart. Always remember: Don’t panic. If you decide to file a claim for damages, there are some basic steps you can take to make the process go more smoothly.

  • Mention the damage: Safely document vandalism once you have assessed the situation and ensured it is not immediately dangerous. Take pictures from various angles before cleaning or moving anything. You should also keep track of the day and time you noticed the damage, as well as where you parked your car.
  • Talk to witnesses If someone witnessed the vandalism, keep their name and contact information.
  • File a Police Report File a police report at your local police station. If you are filing a vandalism claim, you may need a police report. The make, model and VIN (VIN) of your car are vital information.
  • Contact your auto insurance company – If you intend to file a claim, you should contact your insurance company as soon as possible and let them know of the damage. If your auto insurance company offers one, you can usually do it online, over the phone, or using a mobile app.
  • Repair the damage to your car – Your auto insurance company may require you to use a specific repair shop if you are filing a claim. Otherwise, you are completely free to search for any auto repair business you want. Keep any receipts or documents related to the repairs if you are filing a damage claim.

Will I have to face any consequences for the vandalism of my cars?

In many circumstances, unlike an at-fault collision, a vandalism claim will not increase your premiums. This is because the damage was not your fault. However, car insurance does not cover intentional damage, such as spray painting your car for a contest.

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Should I pay out of pocket or file a vandalism lawsuit?

Although comprehensive coverage covers vandalism, it may not be the most cost-effective option. This if the damage to your car is minor. When making a vandalism damage auto insurance claim, keep in mind that comprehensive coverage typically requires you to pay an out-of-pocket deductible, usually set in €500 or €1000. After you’ve paid the deductible, your comprehensive coverage will only cover repair costs.

If your deductible is €500 and the cost of repairs is €540your insurance will only cover €40 remaining. As a result, even if your insurance coverage covers vandalism, it’s not always worth the hassle of filing a claim. There is one exception to this rule: In some areas, you are not required to pay a deductible for safety glass repair. If you live in a state that doesn’t need a deductible for safety glass replacement and your windshield was smashed and shattered, you won’t be responsible for any out-of-pocket expenses. The same is true for policyholders who have full glass coverage. Covers the repair or replacement of safety glass without excess.

If a deductible is required, you should be aware that filing a claim may result in a rate increase. If you’re not sure how much the repairs will cost, contact your mechanic to find out the price of the damage before deciding whether to file a claim.

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