Auto insurance may provide a wide range of benefits to owners. Depending on the type of policy, it may help minimize risks associated with vandalism.  

Those who have a comprehensive car insurance plan may receive this type of coverage. However, limitations exist. It is essential for property owners to understand the coverage they have. 

Comprehensive Auto Insurance Coverage for Vandalism 

Comprehensive car insurance provides owners with support when the vehicle suffers damage. This type of insurance covers fires, theft, vandalism and similar types of unpreventable of loss. The policy will provide the owner with a payment to cover repairs. If the vehicle is a loss, the policy will cover some or all replacement costs. The terms of these policies can differ from one to the next, though. It is important to know what your policy covers specifically. 

What Type of Vandalism? 

Vandalism is a very basic term. From the insurance point of view, it points to any situation in which the vehicle suffers damage caused by another person. This may include things like someone cutting the tires or breaking the windows. It is an act against the owner usually by one or more people.  

A property owner will need to file a police report. The police will work to capture those who caused the problem. And, insurance companies will press charges to recoup their investment. 

However, vandalism does not always apply to damage situations. In an act of civil unrest, auto insurance coverage is often not available. This type of event occurs when there are riots, protests, or other instances in which a group of people causes the damage. Often, areas will see significant damage spreading over multiple vehicles. Most insurance policies do not protect against these losses. 

How to Get Help 

If an incident occurs, take action. Contact the police to file a report. Take photos of the damage. Do not move the vehicle until after an auto insurance agent visits. The agent will help you file a claim. He or she can provide insight into whether the policy provides coverage in this instant. 

Update your auto insurance to match risks. In areas with a high level of riot risk, it may be necessary to consider more extensive coverage. A basic car insurance plan will cover most damage caused by another person. However, deductible limits apply here. Ensure you know what your claims process is in case an act of vandalism occurs.