How is car vandalism defined?

Vandalism refers to someone intentionally damaging or defacing your vehicle. It can occur whether you're on the road, parked in your driveway, or in a public parking lot. The most common acts of auto vandalism include:

  • Slashed tires
  • Broken windows, headlights, or taillights
  • Spray paint damage
  • Dents or scratches from someone keying your car
  • Putting sugar or other substances into your gas tank

Is vandalism covered under comprehensive insurance?

Comprehensive coverage can cover any vehicle damage beyond your control. Deductible options for comprehensive coverage range from $0 to $2,000, depending on your insurer and state. If the cost of vandalism repairs is higher than your car insurance deductible, it may make sense to file a comprehensive claim for vehicle damage caused by vandalism.

Does vandalism raise your insurance rates?

Filing a vandalism car insurance claim could result in a rate increase, even if you had no control over the damage.

What to do if your car is vandalized

If your vehicle sustains vandalism damage, here are a few steps you need to take:

  1. Inventory the damage.

    Evaluate the harm done and take notes. Also, check to see if anything inside the vehicle was stolen or damaged.

  2. File a police report.

    Contact the authorities and file an official report of the incident as soon as possible. A promptly filed police report can help if you choose to file an insurance claim.

  3. Take photos.

    Don't rely solely on the police report to document the damage. Take your own photos of anything that was damaged or destroyed.

  4. Contact your insurance representative.

    Include as much information as you can, including the official police report. Your Progressive representative can help you decide if you should file a claim and may send out an insurance assessor to evaluate the damage.

What should I do if my car window is broken?

Protect your vehicle from further damage. This might mean moving it off the road and covering any broken windows using tape and plastic. If rain enters your car through an already broken window, insurance may not pay to repair further damage.

How should I fix a keyed car?

Have a trusted body shop give you a quote for the repairs as soon as possible, and provide that information to your insurance when filing your keyed car claim. Act quickly to minimize the possibility of rust forming in deep scratches; if you put off repairing your keyed car and rust develops, your insurance may not cover the costs.

If your keyed car can’t be repaired right away, store it in a garage and cover the scratch with a temporary clear coat (approved by your body shop, of course), plastic, or fabric. This will help protect the keyed area from the elements while you wait.

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