With a recent spate of vandalism (and a hate crime) in Maine, we take a look at how you can protect your car against such acts and the type of car insurance required to cover the cost of damages.
If you’ve been following the news lately, you might have come across reports of criminal elements vandalizing or defacing several cars and delivery trucks in the state of Maine. A few days ago, Bangor police arrested two juveniles for vandalizing a car belonging to a man of Pakistani descent and spray painting racial slurs. Such acts of crime are despicable, and, at way.com, we not only condemn racism but also hope the culprits receive appropriate punishment for what could soon be considered a hate crime.
The recent incident has highlighted the fact that racism is still alive and well in our communities. It has also called attention to the need for finding safe parking for your car and having adequate car insurance to cover the cost of damages that may arise from an act of vandalism or theft. Here, we take a look at the types of car insurance in Maine that can help keep your car protected from vandals and thieves.
What type of car insurance covers vandalism and theft?
Maine car insurance laws require every driver to carry minimum liability insurance. Minimum liability car insurance in Maine is fixed at $50,000 for bodily injury per person and $100,000 for bodily injury in total. You also need property damage coverage for an amount of $25,000 as well as an Uninsured Motorist’s coverage as well as medical coverage for an amount equal to $1,000. These are just the minimum sums required. However, they do not protect you from acts of vandalism or theft. Hence, car insurance companies in Maine recommend getting comprehensive or collision coverage options for your vehicle.
If you have comprehensive car insurance for your car, you can rest assured your insurance carrier will pay out for any intentional damage to your vehicle that is out of your control. Depending on your insurer and state, you can get comprehensive car insurance coverage with a deductible ranging from $0 to $2,000. If the cost of repairing a vandalized car is higher than your car insurance deductible, you may want to consider filing a comprehensive claim for vehicle damage caused by vandalism. Sadly, filing a vandalism car insurance claim in Maine could result in a rate increase at the time of renewing your policy.
To know more about the different types of car insurance coverage options, head here.
What’s considered an act of vandalism?
When someone deliberately damages or defaces your car, it can be called an act of vandalism. It can happen when you’re driving, in your driveway, or in a public parking lot. The following are the most typical types of auto vandalism:
- Slashing car tires
- Breaking headlights, taillights, or windows
- Causing damage with a can of spray paint
- Dents or scrapes from someone keying your vehicle
- Putting anything else apart from gas into your gas tank.
What to do if your car is vandalized?
If you find your car or truck with damages sustained from an act of vandalism, it is important to have a record of the damage done. You could do this by evaluating the harm done, and taking notes and photographs of the damage. Regardless of whether you want to file an insurance claim, it is important to contact the authorities and file an official report with your local police. A promptly filed police report can significantly help ease the process of filing a claim. Finally, you also need to call your insurance agent and report the incident to your insurance carrier. Include as much information as possible but be wary of insurance adjusters.
How can I get comprehensive car insurance in Maine?
Comparing quotes from numerous car insurance companies online is the easiest way to find affordable car insurance in Maine. You may begin your search for comprehensive car insurance in Maine by using the Way.com website or app to acquire free insurance quotes from the best insurance providers in the country. To know more about car insurance in Maine, click here.