Insurance policies provide coverage for accidental damages and other covered perils that are beyond your control. This includes events like collisions, theft, fire, natural disasters, and more. Vandalism, however, is considered a deliberate and malicious act that falls outside the scope of protection provided by auto insurance.
In fact, if your auto insurance company discovers that you were involved in an act of vandalism, they may even cancel or terminate your policy due to the intentional and illegal nature of the act.
If you or someone else intentionally vandalizes a vehicle, you may be held responsible for the damages caused. This can result in significant financial consequences, such as having to pay for repairs or even facing potential legal charges.
If you find yourself in a situation where someone else has vandalized your vehicle, your auto insurance may cover the damages as long as you have comprehensive coverage (not all states require comprehensive coverage). Comprehensive insurance typically covers damage to your vehicle from events other than collisions, such as theft, vandalism, weather-related damage, and more.
To fully understand your insurance coverage and what situations are covered, it's essential to carefully read your policy documents and review any exclusions or limitations. If you have questions or concerns regarding your coverage, it's best to contact your insurance provider for clarification and guidance.
