A vehicle owner steps out to his car in the early morning. Then, he sees it. Someone took a baseball bat and smashed in every one of the windows.
There is no rhyme or reason to why this happens. In some cases, it is possible to determine who caused the damage. In others, that is not possible.
As a vehicle owner, what should you do? Will your auto insurance cover the costs? This depends on several key factors. Here is what you can expect.
What You Should Do First
In an event like this, your first step is to call the police right away. Do not open the car doors. Do not pick anything up.
Rather, step back into the home and ask the police to come to the scene. They need to collect evidence and file a police report. This is important not only for your safety, but also for your auto insurance claim later. The police are sure to tell you what steps are next in terms of processing the car.
Then, contact your Prestige Insurance Group agent. Discuss what happened. Gather insight into your policy. Then, provide your agent with photos of the damage. Keep in mind some agents may be able to come to your home immediately to help you in this case. Others might allow you to file photos through an app.
Coverage Questions Answered
This type of event is most likely considered vandalism. The police will ultimately determine who did it — even if the determination is simply An unknown party. They can also potentially determine why it the incident occurred. That information is what your insurance agent needs. They must know what specific cause is present.
If you or someone in your home caused the damage to occur, no auto insurance coverage applies. However, if there is no evidence of intentional damage, your agent may be able to process your car. Criminal vandalism has coverage under many car insurance policies.
Whether you can file a claim depends on the type of auto insurance you have. If you have comprehensive insurance, it may cover your vandalism claims. This coverage protects you from unavoidable instances like this one.
You will need to provide your agent with information. From there, your agent will process the claim. They can help you to get a quote for repairs and pay up to your maximum allowed amount. The good news is that your rates are not likely to rise because of this situation.
If an incident like this occurs, talk to your agent about ways to improve the safety of your car. A monitoring system or cameras on your home may help you, too. Your Prestige Insurance Group agent can help you throughout such an incident with support and fast service when you need it.