As an insurance expert with years of experience in the industry, I can provide you with a detailed answer to your question regarding whether vandalism is covered by insurance.

Vandalism, which includes actions such as graffiti, broken windows, or other intentional damage to a vehicle, is generally not covered by standard auto insurance policies. However, there is an optional type of coverage known as comprehensive insurance that can provide protection against such incidents.

Comprehensive insurance is designed to cover a wide range of non-collision related damages to your vehicle. This includes not only vandalism but also theft, natural disasters, and other events that might cause damage to your vehicle. It is important to note that comprehensive coverage is an optional add-on to your auto insurance policy and typically comes at an additional cost.

When considering comprehensive insurance, it is crucial to weigh the potential risks and benefits. If you live in an area where vandalism is common or if your vehicle is particularly valuable, the additional cost of comprehensive coverage might be worth it. On the other hand, if the likelihood of vandalism is low and the cost of the coverage is high relative to the value of your vehicle, you might decide to forgo this coverage.

It is also worth mentioning that comprehensive insurance typically has a deductible, which is the amount you must pay out-of-pocket before the insurance coverage kicks in. This deductible can vary, and it is essential to understand what your deductible is and how it might affect your decision to purchase comprehensive coverage.

In conclusion, while standard auto insurance policies do not cover vandalism, comprehensive insurance can provide the necessary protection. It is essential to evaluate your specific situation, the potential risks, and the costs associated with comprehensive coverage to determine if it is the right choice for you.

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Even though you already have auto insurance, it may not cover vandalism. ... Comprehensive: Another optional form of coverage, comprehensive insurance covers damage or replacement costs for your vehicle that are not the result of a collision.Sep 18, 2014read more >>