Yes, insurance covers vandalism as long as the driver has comprehensive coverage on their policy. Comprehensive insurance coverage pays to repair or replace a vehicle that is damaged due to something other than a car accident, such as vandalism or a natural disaster, so the policyholder only has to pay a deductible. For example, common comprehensive claims for vandalism include smashed headlights, graffiti, broken windows, and keyed cars.
Comprehensive insurance is not mandatory under any state laws. However, lenders and lessors usually require it on leased or financed vehicles. When purchased in conjunction with collision insurance, comprehensive insurance is considered part of a full coverage car insurance policy.
Yes, comprehensive insurance covers theft. Comprehensive auto insurance coverage will pay to replace a stolen car, repair damage done by thieves, or replace stolen parts, though it will not cover personal possessions stolen from inside a vehicle. It usually won’t pay to repair or replace custom parts or other equipment added by the driver, either.… read full answer
Comprehensive coverage, which pays for non-accident damage resulting from things like natural disasters and theft/vandalism, is limited to the actual cash value (ACV) of a vehicle, minus the policyholder’s deductible. Comprehensive deductibles often range from $500 to $1,500.
To receive a comprehensive insurance payout for theft, drivers should immediately file a police report and then include a copy when they file a claim with their insurance company.
No, comprehensive insurance does not cover a hit-and-run collision. Hit-and-runs are usually covered by collision insurance, while comprehensive insurance covers non-accident damage (which could include vandalism done to a car by an unidentified perpetrator).
In other words, a hit-and-run accident does not qualify for comprehensive coverage since it involves a collision with another vehicle, but hit-and-run vandalism would be covered by comprehensive insurance.… read full answer
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