Vandalism Car Insurance: Does car insurance cover vandalism?

Comprehensive car insurance covers vandalism and theft of an insured vehicle. Vandalism auto insurance coverage falls under comprehensive and full coverage plans for most insurance companies. With vandalism car insurance coverage, companies may even pay for a courtesy car while the insured vehicle is being repaired.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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UPDATED: May 30, 2020

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Here's what you need to know...

  • Your vehicle insurance will cover vandalism to and theft from your car if you have the proper coverage
  • Comprehensive insurance is what you need to protect your loss in the event of vandalism or theft
  • If you file a vandalism claim, your premiums should not increase
  • You can protect yourself against vandalism
  • Vandalism is almost any activity that could deface or devalue an automobile
  • Vandalism car insurance is covered under comprehensive insurance and full coverage insurance
  • If your car is vandalized, never file a claim without first calling a police officer to the scene

Vandalism, theft, and acts of aggression toward automobiles are covered by comprehensive car insurance policies. You can protect yourself against vandalism.

Find car insurance quotes for comprehensive coverage by entering your ZIP code right now!

Does car insurance cover vandalism?

Comprehensive car insurance covers vandalism and theft. The average rates in the US for adding on comprehensive coverage are $11.57/month.

Someone broke into your car and you want to know if your car insurance will replace the stolen stereo under vandalism damages.

Well, this is highly possible depending on the type of car insurance policy you have. A full coverage car insurance policy is likely to take care of the problem.

There are certain cars that are just popular cars to steal. The Honda Accord topped the list of most commonly stolen cars in 2014. Reasons and outcomes for the thefts may vary, but there are models that are preferred by thieves, often for their parts.

Your insurance company keeps records of trends such as this in determining your insurance rate.

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What type of car insurance covers vandalism damages?

The law requires in all but the state of New Hampshire that all drivers have car insurance. The details involving car insurance vary from state to state. It is recommended that you become familiar with the car insurance laws in your in your state.

State laws hold drivers accountable for damages to the other driver.

There are three main types of coverage available for vehicles:

  1. Liability – States require liability coverage that will pay for damage to another driver, passenger, vehicle, or property. Some states are no-fault coverage states. Therefore, in the case of an accident, your insurance will pay for your car and the other driver’s insurance will pay for their car and no one is deemed at fault.
  2. Collision – If you are at fault in an accident or the other driver is uninsured, this type of coverage will absorb the cost.
  3. Comprehensive – Comprehensive coverage absorbs the cost of acts of nature and your vandalism claim.

What if someone vandalizes my antique vehicle?

If is painful to see damage done to a project that you have considered a labor of love. Most collectors or car restorers will take special care to obtain specialty insurance for their unique vehicles including:

Specialty insurance carriers know the value of a car or vehicle of this caliber.

Your policy is set up with an agreement between you and your carrier regarding replacement cost or actual cash value. This important aspect is usually discussed up front when the policy is established.

Emphasis is placed on collision and comprehensive coverage so that your policy carries enough in the case of an event.

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The average person would think that a specialty car insurance policy would cost more than a standard policy. Well, in comparison to a full coverage standard policy, a specialty policy may cost less.

This could be the case if you only drive your classic on Sundays, in car shows, parades or special events. It turns out if you drive your car less than 2500 miles per year, your car insurance is discounted.

Will my car insurance provider raise my rate if I file a vandalism claim?

Your insurance carrier should not raise your rate for a vandalism claim. They consider the vandalism factor when giving you a quote. This is one of the reasons your zip code is necessary.

The agent will be able to determine whether you live in a neighborhood where vandalism is likely to happen.

Your carrier will consider the likelihood of theft from your zip code and make and model of your car. Many people are under the false assumption that thieves are not interested in their older car.

Older cars are actually preferred for their parts or for rebuilding. The National Insurance Crime Bureau keeps track of these statistics.

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Do I need comprehensive car insurance to cover vandalism damages if my car is old?

As your car depreciates, so does the need for comprehensive coverage. Comprehensive coverage replaces parts and pays claims based on the depreciation value of the car. This is the actual cash value discussed.

If your car has a lien on it or is financed, your lender may require comprehensive coverage.

In addition to required liability, collision and comprehensive constitutes full coverage in many cases.

The lender wants to protect their investment especially in the early years of purchase. If there is no lien on the car, collision and comprehensive coverages are not mandatory.

The fact that it is not mandatory by law allows people drop comprehensive coverage if they cannot afford the premiums.

The lack of comprehensive coverage in the event of vandalism could cost you a bundle.

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What is vandalism?

Vandalism is defined as “willful or malicious” destruction of property — automobiles in this case. Most cases of severe damage to cars result from willful intention, not accidental collision.

The main difference between vandalism and collision is that vandalism occurs intentionally and typically to parked cars.

Examples of vandalism include almost any activity that could deface or devalue an automobile, such as the following:

  • Drawing graffiti on a vehicle
  • Breaking windows
  • Breaking into the car
  • Damaging the body
  • Stealing items inside the car
  • Flattening tires
  • Setting fire to the car
  • Hot-wiring the car for theft
  • Tampering with the car’s equipment

Why does vandalism occur? Most psychologists agree that vandalism occurs because of four primary reasons:

  • People who are drunk and lose inhibitions
  • People looking for money
  • Peer pressure to commit random violence
  • Hostility toward the car owner

While there are high statistics on teen vandalism, the truth is that automobile vandalism can occur at any time and in practically any neighborhood, regardless of the demographic.

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Which car insurance policies can help you?

It’s little wonder then that car dealerships and banks insist upon you ordering full coverage insurance. Full coverage insurance is a combination of collision coverage and comprehensive coverage.

To the loaner who is carrying the note, vandalism car insurance offers protection against you defaulting on the note because of automobile damage.

Let’s face it: If your car is damaged beyond all recognition, you are probably far more tempted to just give it back to the dealer or loan company. This voluntary repossession counts as a loss to the lender.

Does full coverage car insurance cover vandalism? Vandalism car insurance is covered under comprehensive insurance and full coverage insurance. Comprehensive is an all-encompassing policy that even covers automobile damage resulting from animal attacks or inclement weather.

What factors increase the price of comprehensive insurance? The year and make of your car are very important, as they directly contribute to the price of repair. Newer model cars are more expensive to fix and thus are of greater risk to the insurance company.

However, do not conclude that only new model cars are targeted by thieves and vandals. Older model cars are perceived as less obvious targets and thus are often vandalized.

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Can Vandalism Total Your Car?

Some car insurance policies that cover vandalism offer greater-than-standard benefits. For example, some companies will actually pay for a courtesy car while your insured vehicle is repaired. If the car is severely damaged, then it can be “totaled” by the insurance company.

Usually, if the car is under a year old and the damage reaches over 60 percent of the total value, the insurance company will simply write it off and pay you the market value of the vandalized vehicle.

What is the process for filing a vandalized car insurance claim?

If your car is ever vandalized, your insurance contract will clearly state the proper course of action. The general rule is that you leave the car exactly the way it is until the appraiser or a police officer can assess the damages.

Never try to file a claim without first calling a police offer to the scene.

Calling can help establish the truth of the situation and also protect the community from further criminal activity. Do the following action steps:

  • Try to take photographs of the damage and make a full claim to the company, specifying all details. (Bear in mind that if you have a high deductible — which lowers your insurance premiums — you may have to pay for the repairs out of your own pocket. Comprehensive coverage only goes into effect after you take care of the deductible amount.
  • Contact the company at the toll-free number and follow the directions you are given.

The best thing you can do is try to find a contract that offers full coverage. Do not take anyone’s word. Compare the contract to what the insurance agent is saying. He or she will be glad to help you find affordable car insurance that covers comprehensive insurance, liability insurance, and collision.

Some drivers may actually prefer comprehensive insurance to full coverage, especially if they live in a dangerous part of the community. Who knows — you may be far likelier to incur the wrath of a local person than drive recklessly and ram into someone.

Your insurance policy will be based on several factors, some of which you can change. Remember that anti-theft devices, neighborhood location, and your occupation will determine the price of the policy.

You can ward off the threat of vandalism through car insurance by searching a comparison website.

Why not enter your ZIP code right now to compare car insurance quotes?

References:

  1. https://www.thebalance.com/keyed-car-and-vandalism-insurance-claims-527101
  2. https://www.allstate.com/tools-and-resources/car-insurance/what-is-full-coverage.aspx
  3. https://www.allstate.com/tools-and-resources/car-insurance/what-is-comprehensive-auto-insurance.aspx
  4. https://www.esurance.com/info/claims/vandalism-claims-and-how-your-car-insurance-can-help
  5. https://www.statefarm.com/insurance/auto/coverage-options

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