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Will My Car Insurance Company Provide Vandalism Coverage?

Unfortunately, most people that live in mid-sized or large cities end up having to deal with car vandalism at some point in their lifetime. If you don’t have the proper type of car insurance policy, you are going to be stuck paying for all of these damage repairs out of pocket. The only way to protect yourself in terms of finances so that you do not have to pay to fix damages caused by vandals, is to purchase comprehensive car insurance.

Most people don’t realize that they need to have a fully comprehensive policy in order to be covered. If you want vandalism protection, you need to make sure that you are paying extra for the comprehensive cover.

Common Types of Car Vandalism

What are some common types of vandalism that vehicles endure? Some of the most common types of vandalism include (but are not limited to):

  1. Broken Windshields – If you have ever seen a smashed or broken windshield, it does not look pretty. Big spider web cracks, chipped glass everywhere. It will end up looking like something out of a horror film.
  2. Dented sides – Gangs and vandals may take baseball bats, golf clubs, or other hard objects and bang the side of your vehicle to put large dents in the side panels. Not only do they look bad, but they could cause problems.
  3. Scratched Paint – Scratched and peeling paint is another way people target vehicles to vandalize. There are various oils and chemicals that people may put on another car in order to cause the pain to peel.  If someone “keys your car” – they are scratching the paint with their key.
  4. Smashed windows – In addition to a shattered windshield, you may realize that all of your side windows have also been broken.
  5. Slashed tires – You may find out that your tires have been slashed and/or popped. The slashing of tires is a very common form of vandalism.
  6. Spray-paint – Another terrible crime is when people spray-paint another vehicle. In this case, you need to get the paint removed and it makes for one ugly situation.

Someone Caught Their Neighbor Keying their Car on Camera (Video)

The importance of buying a fully comprehensive insurance policy

Every single state in the U.S. requires you to purchase a comprehensive policy in order to be protected from vandalism. Most people understand that in a basic public liability and property damage policy, you are only covered for damages that you cause to other vehicles. Anything vandalism (or other damage) that is inflicted upon your vehicle will need to be paid for by you – nobody else… unless you have already upgraded your car insurance to a comprehensive cover.

The most unfortunate scenarios occur when there is a lot of vandalism damage inflicted upon a valuable vehicle, and the driver did not purchase the extra coverage for it to be insured. The reason that this is devastating is that the costs to repair the work done by a serious vandal could cost in excess of $10,000 or even more depending on the type of vehicle.

Will my rates go up if I file a vandalism claim?

Many people that have already purchased vandalism coverage want to know whether their insurance rates will increase if they file an insurance claim for vandalism to their vehicle. In most cases, your insurance rates will not increase because you had no control or direct influence over the vandalism. It really wouldn’t be fair to increase your rates for something that you had no control over.

The reason that your rates will probably not increase much after filing a vandalism claim is because you are already paying a rate in accordance to your level of risk. If you live in a location where vandalism is high, your insurance company knows about it – and they give you a price to compensate for this risk. Although not every insurance company treats customers the same way when they file a vandalism claim, most will not raise your rates significantly postmortem.

Conclusion: It’s usually best to pay the extra money for vandalism insurance

Hopefully you never have to deal with anyone vandalizing your vehicle. Even though most people think that they are going to be okay and won’t need insurance for vandalism, the statistics show that crime does occur. Most drivers don’t expect anything to happen to their vehicle so they avoid paying for the extra coverage – this is a big mistake.

If you can afford paying the extra money and do a lot of driving, it is probably a smart idea to pay for vandalism coverage. If some ruthless vandals come around your vehicle and do $5,000 worth of damages – you would probably rather have your insurance company pick up the tab, right? If you would like a free quote for a comprehensive policy that includes vandalism coverage – be sure to use the tool at the top of the page, as it is 100% free and customized based on your location!

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