Does Auto Insurance Cover Vandalism?

If you walk out to your car and realize someone keyed it, broke a window, or slashed your tires, it’s a bad day. Vandalism feels personal, and unfortunately, it can also get expensive. If you’re wondering whether your auto insurance covers vandalism, the short answer is: it depends on your coverage.

For drivers in Wake Forest, NC, vandalism is typically covered under comprehensive auto insurance. That’s the part of your policy that protects your car from things like theft, fire, hail, or damage that isn’t caused by a crash. If your policy includes comprehensive coverage, then yes, you’re most likely covered for vandalism. If you only carry liability coverage, though, you’re probably paying out of pocket for any repairs.

After something like this happens, it’s important to take photos of the damage and call the police to file a report. Then, you’ll want to contact your insurance company to start the claim. Depending on your deductible, your insurer may cover the repairs after you pay your share.

Keep in mind that filing a claim could impact your premium down the road. That’s something to weigh carefully—especially if the damage is minor. It’s a good idea to talk to your agent about your specific situation.

In general, comprehensive coverage gives you peace of mind for unexpected situations like vandalism, falling tree limbs, or hitting a deer. It’s not required by North Carolina law, but it’s often required if you’re financing or leasing your car.

If you live in or around Wake Forest and want help understanding your current auto insurance policy, or you’re thinking about adding comprehensive coverage, we’re here to walk you through it. At Agape Insurance Group, we make sure you know exactly what you’re paying for—no surprises.