How To Cover Vandalism Through Car Insurance
In order to be protected against property damage due to vandalism, you must carry comprehensive auto insurance.
Unlike property damage liability insurance (which prevents you from being liable for damages done to another person’s property) and collision insurance (which protects you from having to pay for collision-specific damages) comprehensive insurance covers property damage due to vandalism and related theft, in addition to natural disasters.
Obtaining Comprehensive Insurance
If you are currently insured with an auto insurance company, you can add comprehensive coverage to your existing policy by contacting your insurance agent directly. You can also compare comprehensive insurance quotes online, or by contacting the Insurance Department in your state.
Be aware, however, that your premium is likely to increase by adding comprehensive coverage to your car insurance policy.
Lowering Your Car Insurance Premium
Fortunately, there are several ways to lower your auto insurance premium.
You can begin by establishing yourself as a safe and reliable driver by consistently practicing safe driving skills. In addition to lowering your annual premium, many car insurance companies reward safe drivers with accident-free discounts. You can also lower your premium by driving a “low-risk” vehicle, such as a modest sedan as opposed to a sports car.
Auto Claims for Vandalism
If you have become the victim of an act of vandalism, you should usually notify the police within 24 hours.
After you have made an official police report, contact your insurance company immediately. The insurance company will send a claims adjuster to evaluate the physical damage to your vehicle. Do not attempt to clean up or repair any damage until the insurance adjuster has made a full assessment.
Once the police report and insurance assessment are complete, you will want to prevent any further damage as best you can. For example, if your driver’s side window is broken, cover and secure it with plastic in order to prevent further damage from rain, or theft of objects within the vehicle. If you not attempt to secure your vehicle from further harm, your auto insurance company will not cover the expense of further repairs.