Vandalism On Car Insurance Claim

On top of losing any no claims bonuses you might ve built up your insurance premium could go up when you come to renew if you ve had to make a claim for vandalism damage.

Vandalism on car insurance claim. Call your insurance company as soon as possible. With average repair costs of 700 vandalism is an issue all drivers should be aware of. Car vandalism claims standard accident claims are categorised under two groups. Vandalism claims are covered if you have icbc comprehensive coverage.

Speak with the claims adjuster. Notify your car insurance company. Your insurance can help you deal with scratches dents slashed tires graffiti or other damage caused by vandalism. You ll need to declare any claims when you take out or renew car insurance but the more time goes on the lower your premiums are likely to be especially if you get to rebuild your no claims bonus.

If you have comprehensive car insurance you should be covered for a theft or vandalism claim however there are some items you ll need in order to file your claim. If you re a victim our vandalism cover comes as standard and now preserves your no claims. These days it s almost impossible to protect your car from being vandalised. If you make a claim for damage to your car that is a result of vandalism which is damage caused by a malicious and deliberate act you will not lose your no claim discount.

Insurance fraud is measured in the billions of dollars each year. Car insurance claims for vandalism are common especially in high crime areas. An important factor to consider when it comes to filing a car insurance claim on vandalism damage is that comprehensive coverage usually requires you to pay an out of pocket deductible often set at 500 or 1 000. Car insurance add ons fees and charges.

Typically comprehensive claims don t cause car insurance rates to rise. Unfortunately both vandalism and theft claims are commonly filed fraudulently. Some car insurance companies do offer protection to your no claims bonus for incidents of vandalism as part of a more comprehensive policy. Vandalism is a type of claim that almost always requires an adjuster to look at the damage.

The same goes for taking a bat to your own car. Will my rates go up after a vandalism claim. In the event of an accident the insurer of the party considered at fault will pay out for repairs or replacements. Need to make a claim for vandalism to your car.

If you only have third party car insurance you won t be able to claim any repair costs from your insurer as your policy does not cover damage to your vehicle. Insurance adjusters always carefully document vandalism claims looking for warning signs of potential fraud.