{"id":3046,"date":"2026-02-06T08:44:08","date_gmt":"2026-02-06T08:44:08","guid":{"rendered":"https:\/\/www.way.com\/ask\/?p=3046"},"modified":"2026-02-06T08:44:08","modified_gmt":"2026-02-06T08:44:08","slug":"does-car-insurance-cover-vandalism","status":"publish","type":"post","link":"https:\/\/www.way.com\/ask\/does-car-insurance-cover-vandalism\/","title":{"rendered":"Does car insurance cover vandalism?"},"content":{"rendered":"<p><span data-contrast=\"auto\">Coverage for damage due to vandalism is an inbuilt clause under a comprehensive policy. The coverage limits depend on your car&#8217;s make and model, deductible limits, and the insurance provider. \u00a0<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"auto\">What are considered acts of vandalism in car insurance?\u00a0<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">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: <\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"auto\">Dents due to a hit or kick to the car\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Tires, slashed or stolen.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Pouring things into the fuel tank, other than\u00a0permitted\u00a0fuel\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Substance damage and spray painting\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Scratching or keying\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Cracking or shattering windows, headlights, taillights\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2><span data-contrast=\"auto\">Will the car insurance go up if you file a vandalism claim?\u00a0<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">The claims covered under comprehensive insurance, such as vandalism, are considered not\u00a0at fault. Hence, such claims might increase the premium slightly, but not too high.\u00a0Generally, the\u00a0car insurance providers evaluate the premium rates based on:\u00a0<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"auto\">Number of claims\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Total payout history\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Local crime\/weather statistics\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"auto\">Driver\u2019s overall claim record<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Coverage for damage due to vandalism is an inbuilt clause under a comprehensive policy. The coverage limits depend on your car&#8217;s make and model, deductible limits, and the insurance provider. \u00a0\u00a0 What are considered acts of vandalism in car insurance?\u00a0\u00a0 Vandalism is an act committed by a third person with the intention of causing damage&hellip; <a class=\"more-link\" href=\"https:\/\/www.way.com\/ask\/does-car-insurance-cover-vandalism\/\">Continue reading <span class=\"screen-reader-text\">Does car insurance cover vandalism?<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-3046","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Does car insurance cover vandalism?<\/title>\n<meta name=\"description\" content=\"You need comprehensive insurance in place to cover vandalism to the car. 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