Car vandalism can be frustrating, stressful, and often expensive to repair. Discovering a smashed window, keyed paint, or slashed tires can be overwhelming. At Tackett Insurance Inc. in Memphis, TN, we understand that such situations can leave you scrambling for answers. One of the most common questions we hear is, "Does my auto insurance cover vandalism?" Let’s break it down.

Comprehensive Coverage Is Key

The type of auto insurance coverage you have determines whether vandalism is covered. Comprehensive coverage protects your car from non-collision-related incidents, including vandalism, theft, and natural disasters. If you have comprehensive coverage as part of your policy, you’re likely covered for damages caused by vandalism. However, it’s important to note that you’ll still need to pay your deductible before your insurance covers the remaining costs.

Filing a Claim for Vandalism

If your car has been vandalized, the first step is to document the damage with photos and file a police report. This report is typically required when filing a claim with your insurance company. Once you’ve done that, contact your insurer to guide you through the claims process. They’ll assess the damage and let you know what your policy covers.

The Importance of Comprehensive Coverage

While liability insurance is required by law, it doesn’t protect against vandalism. Comprehensive coverage provides peace of mind, knowing you’re prepared for unexpected events.

At Tackett Insurance Inc. in Memphis, TN, we’re here to help you find the right auto insurance policy to fit your needs. Contact us today to learn more about your options and how we can keep you protected!