Does car insurance cover vandalism?

So, you walk out to the parking lot, ready to hop in your car and go. There’s only one problem: your car has been keyed and the tires are slashed. Seriously? Someone took the trouble to both key the car…and destroy the tires? That’s irritating. Anyways, your car is the victim of vandalism and you’re upset (rightfully so.) But the question you have is…are you covered?

Does car insurance cover vandalism?

If you have comprehensive coverage as part of your car insurance, yes, you should be covered. Woo hoo! Hopefully, that helps lessen the blow of having your beloved car vandalized. There are a lot of car insurance coverages out there, but the one that can help you out here is comprehensive.

Comprehensive coverage generally covers losses to your car that aren’t wrecks. So, things like fire, vandalism, animal strikes, and falling objects (i.e. trees) are typically covered. And so is theft. Convenient, right? So, if some jerk keys your car and causes a whole lot of damage, you should be covered so long as you have comprehensive coverage.

If you only have liability insurance, you will not be covered if your car is vandalized. That’s because liability insurance is intended to protect other drivers on the road from, well, you. Bodily injury liability helps cover the other driver’s medical bills while property damage liability helps cover damage to the other driver’s car or someone’s property if you’re at-fault in an accident. So, if you only carry liability insurance without comprehensive coverage, nope. You would not be covered if your car gets vandalized. You’re just plain out of luck.

Moral of the story: consider comprehensive coverage for your car. It does a lot of cool things. Including protecting your vehicle if someone decides your car would look better with some key marks down the sides or with the windows smashed.

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