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HomeCar Insurance ResourcesDoes Car Insurance Cover Vandalism?

Yes. But it depends on the type of insurance coverage you have. To have protection against costs for vandalism you would need to have comprehensive insurance coverage. This is not compulsory insurance and is an option that is available to you.

Does Vandalism Raise Your Insurance


Not necessarily.

One of the big concerns that come with filing vehicle insurance claims is will it increase their insurance premiums. What many don’t realize is that every insurance company is different. Therefore one Insurance company may raise premiums over a claim when another one doesn’t In many cases when the insured is not at fault it may not create an increase in premiums.

When it comes to vandalism insurance companies try to protect themselves as much as possible when determining premiums. They rely on different statistics for doing this. This is one of the reasons why they want to know where the insured vehicle is going to be parked. If they see that there are high vandalism claims being made for a specific area then they may take this into account when setting the premiums.

What Happens When Your Car Is Vandalized?

If you have the applicable vehicle insurance there are some steps that you will need to take in order to be able to file a claim.

  • First, you need to document the damage that has been done to the vehicle. You can do this by taking photos from all angles of the damaged portion of the vehicle.
  • Make notes of as many details as possible. Such as where the car was parked, and if you can estimate when the damage was done.
  • See if there was anyone in your area that may have witnessed the damage being done.
  • File a report with your local police department
  • Notify your insurance company and file a claim
  • Make arrangements to get the damage repaired according to any instructions given by your insurance company.

How Does Vandalism Insurance Work?


This is normally part of the coverage that comes under your comprehensive insurance. It is optional so not everyone has this type of insurance. But, in most cases, you will want this type of insurance as extra protection. If you don’t have it then you will not have coverage if your vehicle is damaged due to a variety of circumstances. Which includes vandalism.

Comprehensive insurance covers many other claims besides vandalism. For example:

  • Disasters that are classed as natural such as the weather.
  • Damage from explosions and fire
  • Civil disturbances
  • Collision damage or hitting an animal.
  • Windshield damage
  • Objects that have fallen and damaged the car.

If you were making a claim for vandalism, you would be doing this under this section of your vehicle insurance.

Do I Have To Pay A Deductible For Vandalism?

In most cases, there is usually some type of deductible for comprehensive insurance. You will decide upon what the deductible will be when you are finalizing your insurance coverage. Your insurance company may have a set amount for this. Most will give you the option of increasing the deductible. A lot of people like to do this so it will reduce their premiums.

How Do Deductibles Work?

If you have a $500. Deductible then you will be responsible for the first $500. In costs to fix your vehicle. The balance will then be covered by your insurance company.

How Can I Prove Someone Keyed My Car?

Unless you actually saw the individual key your car it is very difficult to prove. You basically need to take the same steps as you would with any other type of damage done as a result of vandalism.

  • Take multiple pictures from all angles
  • Check to see if anyone in your area saw this event taking place.
  • Report it to the police.
  • Call your insurance company.

Will My Insurance Go Up If Someone Keyed My Car?

It is all going to depend on your insurance provider. In many cases whenever a claim is made by an insured the premiums do go up.

For this reason, a lot of people don’t want to put in a claim unless the vandalism is substantial. You need to take into account what your deductible is. If it’s $500, and to get the car repaired is only $600. Then it may not be worth putting in a claim. Especially if you think your insurance company is going to up the premiums.

You may want to get a quote for the damage repair before you make your decision to put in a claim.

What Do You Do If Your Car Window Is Smashed?

car vandalism

This is another common act of vandalism.  Again you need to document the damage through photos.

Check to see if anything has been stolen. This is different than keying a car as the culprit does not normally enter the interior of the vehicle.

You need to file a police report.

Decide whether you want to file a claim with your insurance. Once again you are going to need to decide whether filing a claim is worth it or not. Depending on your deductible.

Taking Steps To Avoid Vandalism

You never know when an act of vandalism can take place. Although these acts do take place at night they have been known to be carried out during the day. There are a few steps that you can take to limit the risks of vandalism

Parking Your Vehicle:

A lot of times you may have to park your car in a parking lot that may be unattended. Look for a parking spot that is highly visible from the street. Those who intend to do damage to your vehicle don’t want to be seen.

If parking on the street at night then do your best to park the vehicle in a well-lit area.

Don’t leave items in your vehicle that may attract unwanted attention. This even includes small changes. Make sure you put any electronics in the glove compartment or in the trunk.

Not everyone has a garage to park their vehicle in when parking at their residence. You may want to have an alarm installed on your vehicle. It may not stop the vandalism but it will give you an immediate warning that someone is messing with your vehicle. You may be able to get a description of them as they are leaving the scene.  Also, have some motion lighting installed in the vicinity of the vehicle.

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