Vandalism Car Insurance Coverage

Vandalism to your car means that someone deliberately and malevolently damaged your vehicle. While the odds are low that you’ll ever find the responsible one(s), the odds are good that the bulk of the repair costs will be paid for if you have the right insurance coverage. Find out how to get vandalism car insurance coverage. Also, get an online auto insurance quote from our website.

vandalized-shelbyVandalism insurance coverage falls under the comprehensive portion of your policy. If you are carrying a basic policy offering only liability coverage, you will be on your own when it comes to repair costs. Comprehensive insurance, on the other hand, covers everything from theft, to storm damage, and vandalism. In most cases, a claim made against your comprehensive coverage will not raise your rates. The coverage isn’t required by your state, but your car loan may require that you carry it.

Comprehensive will cover legitimate vandalism, but it won’t cover intentional damage or damage caused by a person who is named on the policy. So, if your ex-spouse or enraged teenaged child takes a baseball bat to your car, you are not covered. In general, damage by family members isn’t covered, regardless of whether they are named on the policy.

The same thing applies for vandalizing your own car. Insurance fraud is measured in the billions of dollars each year. If you are filing a vandalism claim, be prepared for an investigation, especially if it is a high-value claim.

Usually, comprehensive claims don’t cause car insurance rates to rise. This is because comprehensive auto insurance claims mainly come about from incidents that policyholder has no control over. However, your car insurance rates could be raised if you have made a high number of claims, especially in a very short period of time.

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