Car vandalized?
Car Vandalism Claim: What's Covered?
Vandalism is comprehensive cover, not collision — and may not affect your premium. Check your policy in 60 seconds.
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The short answer
Vandalism falls under comprehensive cover. You pay the comprehensive deductible and the insurer pays the rest. Premium impact is usually smaller than for at-fault collisions, but multiple comprehensive claims can still trigger a surcharge.
Always file a police report
Insurers require it for vandalism. The report number goes on the claim file.
Frequently asked
- Does liability cover vandalism?
- No. Liability-only policies do not pay for vandalism to your own car.
- What if cost is under the deductible?
- Usually not worth claiming — pay out of pocket to keep your record clean.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.