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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.
For more information, check out WalletHub’s guide to comprehensive insurance.
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