Whether your home, your car, or another piece of your property is vandalized, this can be an incredibly upsetting situation. We may never know why people key cars or commit other acts of vandalism, but what we can help you with finding out whether your insurance will cover the damage to your car!
Car Insurance and Vandalism
If you only have the basic, legally required minimum insurance in your state, it won’t cover the cost of repairing vandalism to your vehicle. However, if you have comprehensive car insurance, it can apply in the event of your vehicle being vandalized.
What Does Comprehensive Insurance Cover?
Comprehensive car insurance was built to protect drivers from paying out of pocket for damage to their vehicles from things other than collisions. Vandalism falls under this category, and so do these events:
- Vehicle theft
- Animal damage
- Storm damage
- Damage from falling objects like trees or ice
- Fire damage
Your policy may list certain exclusions, so you’ll need to review your policy to see exactly what is covered by your specific comprehensive coverage.
Is Comprehensive Insurance Expensive?
Unless you lease or finance your vehicle and the lender requires you have comprehensive insurance in place, comprehensive insurance is considered optional coverage. Some policyholders opt-out of this coverage because they’d rather risk paying out of pocket in the event their vehicle is damaged or stolen, rather than paying a smaller amount every month to cover themselves.
But once people hear just how affordable comprehensive insurance can be, they’re much more likely to choose this option rather than pay thousands out of their own pocket to repair or replace their vehicle! In the event your vehicle is damaged by one of the events we listed (as well as certain other non-collision related events), you would just need to pay your deductible before your comprehensive insurance kicks in to cover the rest of the damage.
Specific rates will depend on things like where you live and what kind of car you drive. Of course, it’s also important to work with the right insurance company. If you’re looking for car insurance in Utah, give ASA Insurance a call so we can help!
