You’ve just gone out to eat at your favorite restaurant with friends and return to your car to find graffiti, key scratches, a broken tail light, and a shattered window. This is a shocking scene, and your first instinct might be to start trying to fix things or get into the car to assess damage. After all, this car was important to you on many levels beyond being a mode of transportation.
However, the best way to handle car vandalism is through this three-step method:
Nobody wants to be stranded in an unfamiliar part of town with a busted car, or even just find their car damaged in their normal parking space at work. It weighs heavily on the pocket book as well as the mind. That’s why you should practice these five ways to prevent car vandalism.
If your policy covers vandalism, you must then assess your deductible. If you believe repairs amount to $200 and your deductible is $250, it may be most beneficial to avoid submitting the claim. In fact, submitting a claim could cause your insurance premium to increase more and not monetarily benefit you at all.
If you have comprehensive car coverage that covers car vandalism and your damages add up to more than your deductible, your insurance provider will need the incident number and report that was filed by the police.
For more information on types of car insurance coverage and where car vandalism fits in, contact Higgins Insurance at 1-866-273-2911.