Does Auto Insurance Cover Vandalism?

1. 

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   Ted Ratliff

   Owner, SFS Associates,

   If you have full coverage, meaning Collision and Comprehensive, then yes it would cover vandalism. As with any claim, however, find out how much the repairs will be before turning in the claim unless the damage is extensive. In the case of vandalism you will need to file an accident report with the police. This will help prove your claim if you decide to turn it in. If the damage is close to or below your deductible you may not want to turn in a claim. If you are unsure call your agent, not the insurance company.

   Answered on April 21, 2013

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2. 

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   David Osgood

   Agent, Rural Mutual Insurance Co., Union Grove, WI

   Typically yes, less your deductible if you have comprehensive (otherwise known as " other than collision ") coverage on your auto policy. Remember every policy is different. Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you.

   Answered on July 15, 2013

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3. 

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   In a word, yes, auto insurance does provide coverage for vandalism.  This coverage is provided by the pysical damage portion of your policy under "Comprehensive" or "Other than Collision" and will be subject to your deductible.  In most cases, in order to settle such a claim, your insurance company will want to receive a copy of a police report along with an estimate of the damage.  By the way, if something is stolen from the inside of your car - your phone, clothing or golf clubs to name a few examples, these are NOT covered by your car insurance policy.  Personal property loss is covered by your Homeowners', Condo Unit Owners' or Renters' Insurance policies so be sure to have these.

   Answered on July 15, 2013

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