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QuestionInsurance Question  My car was vandalized with a rock thrown through the window, both the front windshield and back glass were broken and a rock made a hole in back dash. What does this fall under for insurance? Is it property damage or collision or comprehensive?

AnswerAuto Insurance Answer

Both vandalism and glass breakage falls under the physical damage coverage of comprehensive coverage.

Property damage is liability coverage so covers damage that you may cause as a driver of your vehicle to another person's car or property, such as a fence, house, etc. Collision coverage covers damage to your car when your car hits, or is hit by, another vehicle, or other object.

Comprehensive coverage covers your vehicle, and sometimes other vehicles you may be driving for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals. Pays to fix your vehicle less the deductible you choose.

You should contact your insurance carrier to make a claim for the damages caused by rocks being thrown through your windows breaking them as well as damaging your dash. Articles located in our Learning Center, such as How To Deal With Your Insurance Company Regarding Claims, may be of help to you at this time.

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