{"id":3929,"date":"2021-03-15T19:52:01","date_gmt":"2021-03-15T23:52:01","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=3929"},"modified":"2024-07-22T17:11:31","modified_gmt":"2024-07-22T21:11:31","slug":"does-car-insurance-cover-vandalism","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/does-car-insurance-cover-vandalism","title":{"rendered":"Does car insurance cover vandalism in New Jersey"},"content":{"rendered":"\n<p>You\u2019re walking out to your car after a fun shopping trip with some friends and then you see it \u2013 someone has just vandalized your car! Your heart sinks as the reality sets in that someone has just intentionally caused damage to your vehicle. Quickly, your eyes scan the parking lot wondering if the perpetrator is still on the scene. Hearing the crunch of glass shards beneath your feet as you cautiously approach your vehicle, you can only think to yourself, \u201cDoes car insurance cover vandalism?\u201d The answer depends on the <a href=\"\/insurance\/auto\/nj\/coverage-policy-options\">coverage<\/a> you have selected on your insurance policy.<\/p>\n\n\n\n<p>Unfortunately, purposeful destruction or damage to property takes place in just about every community. Knowing how to proceed after discovering your car has been vandalized is important. We\u2019ll consider two main questions regarding insurance coverage for this kind of damage:&nbsp;<\/p>\n\n\n\n<ul style=\"margin-bottom:20px;\"><li>Can you make a claim?<\/li><li>Is it worth making a claim?&nbsp;<\/li><\/ul>\n\n\n\n<p>Knowing the coverage you have in force, the amount of your deductible, and the amount of damage to your vehicle will help determine your answers to these questions.&nbsp;<\/p>\n\n\n\n<h2 style=\"margin-bottom:0px;\">Your car has been vandalized, can you make a claim?<\/h2>\n\n\n\n<p>First, you will need to determine if your insurance policy will cover damage to your automobile as a result of vandalism.\u202f<a href=\"\/insurance\/auto\/nj\/coverage-policy-options\/comprehensive-coverage\">Comprehensive coverage<\/a> will be needed in order to proceed with a claim after someone intentionally damages your vehicle. Comprehensive insurance will generally provide protection for damage to your auto caused by disasters such as fires and hail storms, and it will also cover vandalism.<\/p>\n\n\n\n<p>According to the National Association of Insurance Commissioners (NAIC), 77% of drivers had comprehensive coverage on their auto policies in addition to the required liability coverage. If you pay for comprehensive on your insurance policy in New Jersey, then you at least have the option to proceed with a claim.&nbsp;<\/p>\n\n\n\n<p>Keep in mind that most insurance companies will require a police report with this kind of claim, so it\u2019s best to take pictures and dial the number for the local police department as your initial response. Before you proceed with an insurance claim, knowing the cost to repair the damage in comparison with the amount of your deductible is also an important step.&nbsp;<\/p>\n\n\n\n<h2 style=\"margin-bottom:0px;\">Is it worth making a claim after your vehicle has been vandalized?<\/h2>\n\n\n\n<p>If your insurance policy does, in fact, include comprehensive coverage, which generally covers a vandalism claim, it\u2019s time to consider two additional things in order to determine how to proceed. The first thing you need to think about is your deductible. Most insurance policies will have a deductible in place for comprehensive (or collision) claims of any nature. The deductible is the initial amount of money you will need to pay out of pocket before your insurance carrier covers the remainder of the cost to repair or replace your auto.&nbsp;<\/p>\n\n\n\n<p>The other thing to consider is the amount of damage that has been done. Let\u2019s just say, for example, that your deductible is $500. If the damage consists of a minor scratch resulting in damage that is less than $500, then it\u2019s probably better to cover the damage cost yourself. However, if you have sustained severe damage resulting in considerably higher costs than your $500 deductible, then it makes more sense to pick up the phone to start the claim process with your insurance company.&nbsp;<\/p>\n\n\n\n<h2 style=\"margin-bottom:0px;\">Quick tips to help prevent auto vandalism<\/h2>\n\n\n\n<p>It may sound obvious, but if you have a garage, it\u2019s best to park inside. A lot of auto vandalism takes place on personal residences. If you\u2019re leaving your vehicle in a public area at night, you\u2019ll want to find a space that is well-lit to help deter a would-be vandal. An extra plus is that\u202fparking&nbsp;in the garage\u202fmay positively impact your rate. Car alarms are still an effective way to fend off a thief or vandal and other anti-theft devices can help provide additional protection.\u202f&nbsp;<\/p>\n\n\n\n<p>If you have questions about car insurance and vandalism, we\u2019re here to help! A Plymouth Rock representative would be happy to answer your questions and help you determine the coverage options and <a href=\"\/insurance\/auto\/nj\/discounts-benefits\">discounts <\/a>that are best for you.<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"36610\" class=\"elementor elementor-36610\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee649ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee649ab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4c502b6\" data-id=\"4c502b6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21697f5 post-margins post-link-class elementor-widget elementor-widget-html\" data-id=\"21697f5\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p style=\"margin-bottom: 0px;\"><strong>Now let\u2019s talk about you<\/strong><br \/>\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at <a href=\"tel:1-800-516-9242\">800-516-9242<\/a> or speak to a <a href=\"https:\/\/www.plymouthrock.com\/find-an-agent\">local agent<\/a>. \n<br \/><br \/>\nIf you\u2019d rather not talk, you can <a href=\"https:\/\/buy.plymouthrock.com\/esales\/entry\/start?PLF_Code=HIPT&amp;iRefid=Website&amp;iRefclickid=Copy_Link\">get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>You\u2019re walking out to your car after a fun shopping trip with some friends and then you see it \u2013 someone has just vandalized your car!<\/p>\n","protected":false},"author":6,"featured_media":4984,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[81],"class_list":["post-3929","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-nj"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - 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