Is Vandalism Covered by Comprehensive Insurance?

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Vehicle insurance is not one-size-fits-all. You must choose the coverage that's best for you and any situation that may arise. If you want to protect your car against such things as vandalism, theft and weather-related damage, you must select comprehensive coverage. Although the type of damages covered may differ from one insurance carrier to the next, vandalism is routinely included in comprehensive coverage.

What Comprehensive Insurance Covers

Comprehensive car insurance is supplemental insurance, meaning it must be selected among a variety of coverage types. Unlike collision insurance, comprehensive coverage takes care of damage caused by events other than an accident. Although comprehensive insurance covers a variety of damage, it doesn't cover everything. However, it typically covers such things as theft, a broken or cracked windshield, and vandalism.

Vandalism Claims

In general, vandalism is the act of intentionally and maliciously destroying or damaging the property of another. If you are the victim of vandalism and have comprehensive coverage, it is likely your vehicle can be repaired or replaced, depending on the extent of the damage. While the claims process differs among insurers, many recommend that vandalism victims contact the police and file a police report, take pictures and protect the vehicle from further loss in addition to filing a claim. As with other insurance claims, you will likely be required to pay a deductible and your insurance rates may increase as a result of filing the vandalism claim.