Discovering that your car has been vandalized can be frustrating and stressful. The damage, whether a broken window, slashed tires, or graffiti, can leave you unsure about the next steps. At O’Mahony Insurance Agency LLC, serving the greater Macon, GA, community, we understand the importance of your vehicle. We are here to help you understand how auto insurance can protect you in such situations.
Does Auto Insurance Cover Vandalism?
Vandalism is typically covered if you have comprehensive coverage as part of your auto insurance policy. Comprehensive insurance helps pay for repairs when your vehicle is damaged by something other than a collision, including vandalism, theft, fire, and natural disasters. You may have to pay for the repairs out of pocket without comprehensive coverage.
What Should You Do If Your Car Is Vandalized?
The first step after discovering vandalism is to document the damage. Take clear photos from multiple angles and make a list of the affected areas. Next, file a police report, as this can be helpful when submitting an insurance claim. Once that’s done, contact your insurance provider to start the claims process. Depending on your policy, you may need to pay a deductible before your insurance covers the remaining repair costs.
How to Protect Your Car from Vandalism
Parking in well-lit areas, using a garage, or installing security cameras can help deter vandals. While these precautions can reduce risk, having the right insurance coverage is the best way to ensure you’re protected.
At O’Mahony Insurance Agency LLC, we provide insurance products to residents in and around Macon, GA. We can help you find the right policy to keep you covered. Contact us today to review your options and get the protection you need.
