As an insurance expert with years of experience in the field, I can provide you with a detailed explanation regarding whether vandalism to a car is covered by insurance.

Vandalism, which includes acts such as a keyed car, is indeed covered under a specific part of your auto insurance policy known as the comprehensive coverage. This type of coverage is designed to protect your vehicle against non-collision damages, which may include theft, fire, natural disasters, and yes, vandalism.

To determine if your car is covered for vandalism, you need to check your insurance policy, specifically the declaration page. On this page, you should find a section that lists the types of coverage you have purchased. Look for a dollar amount listed under comprehensive or other than collision coverage. If you see such an amount, it indicates that you have purchased comprehensive coverage, which typically includes vandalism.

However, it's important to note that comprehensive coverage is not mandatory; it's an optional add-on to your auto insurance policy. If you have chosen not to purchase comprehensive coverage, then acts of vandalism would not be covered by your insurance. In such cases, you would be responsible for the repair costs out of pocket.

Additionally, the extent of coverage for vandalism can vary between insurance providers and policies. Some policies may have specific exclusions or limitations regarding vandalism coverage. For example, certain types of damage or specific scenarios might not be covered. It's crucial to read through your policy documents carefully or consult with your insurance agent to understand the exact terms and conditions of your coverage.

In the event that your car is vandalized, you should take the following steps:


1. File a Police Report: Reporting the incident to the police is essential. This report will be required by your insurance company when you file a claim.


2. Document the Damage: Take photos of the damage as evidence. This will be helpful when filing your claim and can expedite the process.


3. Contact Your Insurance Company: Notify your insurer as soon as possible. They will guide you through the claims process and inform you of any additional steps you need to take.


4. Review Your Policy: Before filing a claim, review your policy to understand what is covered and any deductibles that may apply.


5. Get Repair Estimates: Obtain estimates for the repair work from a reputable auto body shop. This will help you understand the cost of repairs and assist in the claims process.

Remember, the goal of insurance is to provide financial protection against losses. While no one wants to experience vandalism, having comprehensive coverage can offer peace of mind and financial relief in the unfortunate event that it occurs.

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A keyed car is considered a vandalized car and vandalism is covered under the comprehensive portion of your auto insurance policy. Determining whether or not you purchased the coverage if fairly simple. Check your declaration page to see if a dollar amount is listed under comprehensive or other than collision coverage.Jul 7, 2017read more >>