Does Insurance Cover Someone Keying Your Car?

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    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    If by “keying” you mean scratching the exterior of your car using a key, the answer depends upon the coverage on the policy.  If there is comprehensive coverage, the “vandalism” would be covered subject to the stated deductible.  When you file a claim the company will direct you to either secure a quote to repair the damage or ask you to take the car to a specific repair station.  Once the cost of repair is fixed they will pay you and the repair shop the agreed upon amount minus the deductible.
    Answered on March 19, 2014
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