{"id":693,"date":"2018-01-22T10:35:10","date_gmt":"2018-01-22T14:35:10","guid":{"rendered":"https:\/\/www.protectiveagency.com\/blog\/?p=693"},"modified":"2024-02-25T22:55:33","modified_gmt":"2024-02-26T02:55:33","slug":"car-insurance-cover-vandalism","status":"publish","type":"post","link":"https:\/\/www.protectiveagency.com\/blog\/car-insurance-cover-vandalism\/","title":{"rendered":"Does Car Insurance Cover Vandalism?"},"content":{"rendered":"<p>If you live in a high crime area, you may be curious whether car insurance covers vandalism. Maybe your neighbor\u2019s car got broken into, or you\u2019ve heard tall tales. You want to know if you\u2019re covered before disaster strikes.<\/p>\n<p>&nbsp;<\/p>\n<p>If that\u2019s you, then you\u2019re in the right place. In this detailed guide, we\u2019ll show you exactly how to ensure your car insurance covers vandalism &#8211; even in high crime area.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>The Types of Car Insurance<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>First and foremost, the type of car insurance you have will determine if your coverage includes vandalism. Basically, you\u2019ll end up paying more for coverage about things like vandalism and theft.<\/p>\n<p>&nbsp;<\/p>\n<p>Common types of auto insurance include:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Liability: <\/strong>This coverage pays for medical expenses and property damage you caused up to your policy limits. This is mandatory coverage in most states. With liability coverage, your car will not have vandalism coverage.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Collision: <\/strong>This optional coverage helps protect your car when you\u2019re at-fault. The cost of repair or replacement for your vehicle is covered. However, in most cases, collision policies do not cover vandalism.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>OTC (other-than-collision): <\/strong>If you\u2019re looking to help protect your car from things like vandalism and theft, then you\u2019ll want OTC coverage from any damages not related to a collision.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Uninsured\/Underinsured: <\/strong>Most policies include some type of uninsured motorist coverage. This type of insurance policy is useful if you were to get into an accident with someone who doesn\u2019t have adequate, or any insurance at all.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>What Does This Mean?<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>Well, it means that your car is typically only covered for vandalism if you pay for OTC (other-than-collision)coverage. If you\u2019re not paying for that, then your car will not be covered if vandalized.<\/p>\n<p>&nbsp;<\/p>\n<p>There\u2019s a little more to it than that, but that\u2019s basically the gist of it. With just liability or collision coverage, you simply won\u2019t have be covered\u00a0 from vandals and thefts.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Vandalism and Insurance<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>In order to properly report any <a href=\"https:\/\/www.iii.org\/article\/8-questions-to-ask-before-buying-auto-insurance\">vandalism <\/a>to your car, you need to take a few steps first. If you do these things correctly and have comprehensive insurance, then your claim won\u2019t have any issues with an insurance company.<\/p>\n<p>&nbsp;<\/p>\n<p>Here\u2019s how to properly report your claim to the insurance company:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Police First<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Before you do anything else, you absolutely must call the police. Call the non-emergency number of your local police department and file a report of vandalism for your car. This will benefit you later.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Take Photos<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Next, document all the damages and vandalism. Take as many photos as you can. Get photos from every angle. You want to document everything for the insurance company.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Get in Touch<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Now get in touch with the insurance company. Talk with an agent and see if your coverage covers vandalism. If you have comprehensive, it should. Then file your claim. Make sure you have your photos and police report handy.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>No Clean Up!<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Don\u2019t try and clean anything up until you\u2019ve spoken with the police and your insurance agent. While this isn\u2019t a criminal investigation, it is technically an accident scene. Just confirm with the police and your agent that you can clean things up before you start doing so. This could save you a lot of headache.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Insurance, Vandalism, and Deductibles<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>It is important to note that vandalism may not meet your deductible. For example, if the vandal damages your car to the tune of $800, but your deductible is $1,000 &#8211; then you won\u2019t be doing yourself any good filing a claim with the insurance company.<\/p>\n<p>&nbsp;<\/p>\n<p>Pay close attention to the damages and compare them with your deductible before choosing to file a claim. A good insurance agent should be able to steer you in the right direction here, as filing unnecessary claims can cause your premiums to increase.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>Overall, car insurance can cover vandalism. It all depends on the type of coverage you purchased and how much damage was done. If you have comprehensive coverage, then you should be covered. Just pay attention to your deductible and make sure the damages justify filing a claim.<\/p>\n<p>&nbsp;<\/p>\n<p>Want to know more? Please contact our team at ProtectiveAgency.com or call (877) 739-9367. Our licensed insurance agents will be happy to answer any questions you have.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you live in a high crime area, you may be curious whether car insurance covers vandalism. Maybe your neighbor\u2019s car got broken into, or you\u2019ve heard tall tales. You want to know if you\u2019re covered before disaster strikes. &nbsp; If that\u2019s you, then you\u2019re in the right place. In this detailed guide, we\u2019ll show [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":695,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-693","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Does Car Insurance Cover Vandalism? | Protective Agency<\/title>\n<meta name=\"description\" content=\"You may be curious whether car insurance covers vandalism. 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