Yes, the comprehensive coverage of your auto policy may cover vandalism in your car minus any deductibles, since intentional damage to your vehicle is beyond your responsibility. If someone steals your vehicle and doesn't recover it, your insurer will charge you a check for the current value of your car if you have comprehensive coverage. If you recover your vehicle but it was damaged during the theft, the repairs must be covered by comprehensive insurance. In both situations, your full deductible will apply.
A common misconception is that you must have car insurance with full coverage to be insured against car theft. While technically there is no such thing as a full-coverage insurance product, many lenders define full coverage as that which includes both comprehensive and collision coverage in their policy. However, depending on your insurer, comprehensive coverage can be purchased separately from collision coverage; it usually costs less and provides protection against theft. No, your car insurance won't cover personal items stolen from your vehicle, such as your laptop, briefcase, or cell phone.
However, your renters or homeowners policy may cover personal belongings stolen from your car, even if they were stolen when the car wasn't on your property. Electronic device insurance can also cover the theft of cell phones, laptops, and other devices you choose to cover. Liability insurance will cover you if you cause bodily injury or damage to someone else's property, but it won't cover the theft of a vehicle. Collision coverage won't protect you against theft either.
Comprehensive coverage is the only one that can cover the theft of a car or damage to your car caused by a theft or break-in. If your vehicle has been stolen and recovered, report it to your insurance company right away. If the car was damaged, your comprehensive coverage can pay for repairs, up to any limit and minus your deductible. Get to know our culture and our people Chat now to ask Flo anything or explore the most frequently asked questions.
Comprehensive coverage is optional coverage. Although optional, auto lenders may require you to carry comprehensive insurance when leasing or financing a vehicle. It can cover damage caused by fire, hail, vandalism, theft or collisions with animals, among other unexpected and uncontrollable events. Comprehensive car coverage doesn't cover damage caused by a collision with another vehicle or object.
Your insurance company representative can help you decide if you should file a car insurance claim and can send an insurance appraiser to assess the damage. Your comprehensive insurance can help you replace or repair the stolen car up to the limits of your coverage, but it doesn't cover the items that were inside when it was taken. Ask a trusted auto body shop to give you a quote for repairs as soon as possible and to provide that information to your insurance company when you file your lockable car claim. If the cost of vandal repairs is higher than your car insurance deductible, it may make sense to file a comprehensive claim for damage to the vehicle caused by the vandalism.
Filing an auto insurance claim for vandalism could result in an increase in the rate, depending on the insurer and the state. However, custom parts and equipment (CPE) coverage is available at Progressive and most insurers, at an additional cost, can cover stolen parts or equipment. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Act quickly to minimize the chance of rust forming in deep scratches; if you postpone repairing your car with a key and it rusts, your insurance may not cover the costs.
If your car is stolen, your insurer will pay you the actual cash value (ACV) of the vehicle minus your deductible. Comprehensive car insurance doesn't cover damage to your car from a collision with another vehicle or object other than a live animal. If rain enters your car through an already broken window, the insurance may not pay to repair additional damage.