Maybe it was the vengeful ex or bored teens or someone who didn’t like your Vikings bumper sticker. In any case, your vehicle was vandalized. This could mean graffiti, a keyed paint job, smashed windows or mirrors, or slashed tires. Will your auto insurance cover it? If you have comprehensive coverage, then yes, it most likely will. It will pay for damages minus your deductible. Do keep in mind that you will need to take photos immediately of the damage and file a police report in order to collect them. Because vandalism doesn’t fall under liability, you will need to have comprehensive coverage as part of your policy. Comprehensive coverage not only covers vandalism and theft but also damage from natural disasters and other events such as fire or hitting a deer. 

What To Do if Your Vehicle Is Vandalized 

First, you should keep in mind that if the repair cost is less than your deductible, it isn’t worth the trouble. Double check. Is that paint or something that will hose off easily? If you’re sure this isn’t something that can be fixed with a little soap and water, you should call the police. Your insurer will require you to have a police report of the incident on record. Document the damage by taking clear photos and video. You can then contact your insurer and submit a claim. Provide the photos and police report as proof. Do the same if the damage was due to attempted theft of the vehicle or theft of parts such as missing hubcaps.

Pizano Insurance, Serving Wayzata, MN

If you are in the Wayzata, MN area and need auto insurance, we here at Pizano Insurance are happy to help. Give us a call today.