Does insurance cover vandalism?

This is a very common question when someone finds their car damaged without knowing who was responsible. Scratches, broken glass, damaged tires, or intentional damage cause a lot of frustration, and not everyone knows if the insurance will respond.

The Short Answer

Yes, insurance can cover vandalism, but only if you have the correct coverage. Not all policies include this protection.

Which coverage applies in cases of vandalism?

Vandalism is covered exclusively by comprehensive coverage. This coverage can protect against: • Intentional scratches • Broken glass • Bodywork damage • Malicious acts toward a parked vehicle If your policy only has liability or collision, there is no coverage for vandalism.

Common Mistake

Thinking: “Since it wasn’t a collision, the insurance doesn’t apply.” In reality, vandalism is not a collision, which is why it falls into a different coverage category.

Is there a deductible?

Yes. • The comprehensive deductible applies. • It does not depend on who caused the damage. This is one of the points that surprises people the most.

What should you do if your car was vandalized?

Recommended steps: • Take clear photos of the damage. • File a police report. • Report the event to the insurance company. • Do not repair the vehicle before authorization. The report helps document that it was an intentional act.

Is it always worth filing a claim for vandalism?

Not always. If: • The damage is minor • The deductible is high Sometimes it is better to evaluate before opening a claim, as every claim is recorded.

The importance of knowing if you are covered beforehand

Many clients discover they do not have comprehensive coverage only after the damage has occurred. Reviewing your coverage in advance saves you from that surprise.

AutoRisks Understanding what your policy covers avoids unnecessary frustration.