Question

Does car insurance cover vandalism?

Your car insurance does cover vandalism if you have comprehensive coverage.

Coverage for damage due to vandalism is an inbuilt clause under a comprehensive policy. The coverage limits depend on your car’s make and model, deductible limits, and the insurance provider.

What are considered acts of vandalism in car insurance?

Vandalism is an act committed by a third person with the intention of causing damage to your car. Generally, car insurance providers across the US consider the following incidents as acts of vandalism:

Dents due to a hit or kick to the car
Tires, slashed or stolen.
Pouring things into the fuel tank, other than permitted fuel
Substance damage and spray painting
Scratching or keying
Cracking or shattering windows, headlights, taillights

Will the car insurance go up if you file a vandalism claim?

The claims covered under comprehensive insurance, such as vandalism, are considered not at fault. Hence, such claims might increase the premium slightly, but not too high. Generally, the car insurance providers evaluate the premium rates based on: