Car theft isn’t the only risk vehicle owners have to be concerned about. Vandalism can also hit vehicle owners in the pocketbook, leaving them on the hook for damages caused by broken windows, scratched paint, ripped out stereo equipment and more. Vehicle owners should check their auto insurance policies to make sure vandalism repair is covered, particularly if they live or work in high-risk areas.
Whether your car insurance policy will cover damages from vandalism depends on what type of policy you have. Basic policies will likely not cover vandalism damage, while more expensive policies will.
There are three basic types of vehicle insurance: liability, collision and comprehensive. When it comes to vandalism damages, only one of these types of insurance will provide coverage for vandalism claims.
Liability insurance is coverage that protects third parties from damages that may occur as a result of your operation of a motor vehicle. For example, if you rear-ended another vehicle, your liability policy would cover the cost of fixing the other driver’s vehicle, but not yours. Most states require all drivers to at least carry liability coverage.
Collision coverage handles all claims related to collisions between your vehicle and other property. For example, if you rear-ended another driver, and you had collision coverage in addition to liability, damage to both your vehicle and the other driver’s vehicle would be covered. Collision coverage does not extend to damage to your vehicle caused by other hazards, such as fires, floods, adverse weather and vandalism.
For coverage of vandalism repair, you need comprehensive vehicle insurance. This form of car insurance policy covers damage to your vehicle from non-collision related sources. Should your car be stolen, or if vandals damage it, a comprehensive policy will provide coverage of your loss.
If you just bought your car and are financing it, chances are your bank or other lender requires that you have full coverage (liability, collision and comprehensive) on the vehicle.
When purchasing a comprehensive vehicle insurance policy, be sure you understand the deductible that goes along with the policy. A high deductible will reduce your monthly premiums, but if you need to use the policy, you’ll pay a higher upfront cost to gain access to your coverage. Choose a plan that balances premiums and deductibles in a manner you can afford.
When your car is vandalized, the most common form of damage will be broken glass or scratched paint. Vandals also often damage the locks to your vehicle if they attempt to enter the vehicle to do damage to the interior. A Professional Locksmith in Dallas can make necessary repairs to car locks damaged by vandalism, and are the best option for vehicle owners looking for lock-related vandalism repairs.
When seeking a locksmith for this type of repair, make sure you are dealing with a company that has experience in automotive locks and a good local track record of honest, ethical service. Your car insurer may be able to suggest qualified locksmiths in your area that can help you with vandalism-related damage.