Does Car Insurance Cover Vandalism or Theft?

If you have an auto insurance policy, you realize the importance of adequate coverage. At Richard Zeises Agency in Jenkintown, PA, we help our customers understand all aspects of their plans. For example, one common question we get is "does car insurance cover vandalism or theft?"

How Vandalism Or Theft Is Covered

Vandalism and stolen vehicles can be covered if someone decides to include comprehensive coverage. However, it’s also important to note that this coverage can be optional. Typically, people who lease or finance cars are asked to carry this coverage for their automobiles. It does become a choice when you own a vehicle, so it’s important to weigh your options and risk level.

Below are some examples of when someone would need to use their auto insurance policy (more specifically, their comprehensive coverage).

  • An intruder attempts a break-in and smashes your front windshield.
  • Someone steals your vehicle that doesn’t get recovered. The current value of your car would be estimated to receive payment ( after the deductible is applied) 
  • Slashed tires or keyed vehicles 

If you have had a situation where your car was vandalized, it’s recommended to take photos and start the process of filing a claim. Here, it would also be necessary to contact your local authorities so proper documentation can be filed. If your vehicle is damaged, don’t do anything like try to move it on your own. That could cause more damage than you would be responsible for.

Find Out More About Auto Insurance 

Do you still have questions about what your auto insurance policy covers? We at Richard Zeises Agency in Jenkintown, PA have the answers for you. Don’t hesitate to give us a call for any concerns you have or what coverage you need for your family.