Does Car Insurance Cover Vandalism? Getting the Right Policy

Vandalism can happen when you least expect it. You head out in the morning, ready to start your day, only to find your car keyed or your tires slashed. It’s frustrating, inconvenient, and often costly. The good news is that with the right car insurance coverage, you don’t have to shoulder the burden alone.

Key Takeaways

• Comprehensive car insurance offers coverage for vandalism. This coverage is subject to a deductible.
• Insurers consider keying, smashed windows, slashed tires, graffiti, and catalytic converter theft to be types of car vandalism.
• While car vandalism can’t always be avoided, you can help prevent it by parking your vehicle in a locked garage or well-lit area, installing a dash cam or car alarm system, keeping valuable items out of sight, and setting up motion-activated lights.
• If your car is vandalized, be sure to take photos of the damage, don’t touch anything, file a police report, and contact your insurance company.

What Does Insurance Consider Vandalism on a Car?

Vandalism is any intentional act that damages your car without your permission. This kind of damage is typically caused by someone trying to harm or deface your car, not steal it. Types of car vandalism commonly covered by insurance include:

• Keying: Deep scratches along the paint from a sharp object, usually car keys
• Broken windows: Smashed glass from rocks, bats, or other objects
• Slashed tires: Tires intentionally punctured or cut
• Graffiti: Spray paint or other markings applied to the car's surface
• Catalytic converter theft: This is a growing global issue in which thieves steal this part for its precious metals

What Type of Car Insurance Covers Vandalism?

Comprehensive car insurance coverage protects your vehicle from damage that isn’t caused by a collision. This includes things like fire, theft, weather events, falling objects, and yes, vandalism. If someone breaks into your car, smashes a window, or steals parts like your catalytic converter, comprehensive coverage can help pay for the repairs.

While most states don’t require drivers to have comprehensive coverage, car lenders and leasing companies typically do. This is because liability-only policies (insurance that provides coverage for bodily injury and property damage) don’t cover non-collision incidents like theft, vandalism, or fire. Comprehensive coverage steps in to fill this gap.

It’s important to note that comprehensive insurance claims are subject to a deductible. If your claim is less than your deductible, it may not be worth filing because you won’t get any money back.

How to Help Prevent Car Vandalism

Vandalism isn’t always avoidable, but there are simple steps you can take to help protect your car.

• Park in well-lit areas: Vandals are less likely to target cars in visible, high-traffic spots.
• Install a dash cam: A camera on your dashboard can act as a deterrent and capture what happened if something goes wrong.
• Use a car alarm system: Alarms can scare off potential vandals before any damage is done.
• Keep valuables out of sight: Don’t leave bags, electronics, or other items in plain view—they can invite unwanted attention.
• Park in a garage if possible: A locked garage adds another layer of security and keeps your car out of sight.
• Consider motion-activated lights: If you park in a driveway, motion-activated lights can help discourage nighttime vandalism.

What to Do If Your Car Is Vandalized: Step-by-Step Instructions

If your car has been vandalized, acting quickly can help protect your finances and speed up the claims process. Follow these steps:

1. Take photos of the damage: Capture clear pictures from multiple angles to document what happened.
2. Don’t touch or move anything: Leave the scene as-is until you’ve filed a report and gathered evidence.
3. File a police report: This creates an official record of the incident and is often required when filing an insurance claim.
4. Check your insurance deductible: If the cost to repair the damage is less than your deductible, it may not make sense to file a claim.
5. Contact your insurance company: If you decide to move forward, your insurer can help guide you through the claims process and get repairs started.

How to File a Vandalism Claim With GEICO

Filing a vandalism claim through your comprehensive coverage with GEICO is easy. You can start your claim through the GEICO Mobile app, our online Claims Center, or by calling us at 1-800-841-3000.

Make sure you have the following information ready to make the process smoother:

• Your GEICO policy number or account info
• Photos of the damage
• A copy of the police report or the report number
• The date and location of the incident

Once your claim is submitted, a GEICO insurance specialist will guide you through the next steps to get your vehicle repaired and back on the road.

Protect Your Vehicle From Vandalism With GEICO Comprehensive Car Insurance

Dealing with car vandalism is never fun, but knowing what your insurance covers and how to handle the situation can make it easier. With comprehensive coverage from GEICO, you may be protected from the unexpected and get the support you need to get back on the road.

Need to check your current coverage or file a claim? Log in to the GEICO Mobile app or visitgeico.com to get started.