If you have full coverage on your vehicle, it being keyed would fall under vandalism car insurance and be covered by your comprehensive coverage. The deductible associated with your comprehensive coverage would be due if you made a claim.
Perils and losses that fall under your comprehensive coverage typically are not your fault, but the deductible is still due. Comprehensive insurance covers damage to your car if it is stolen or damaged by animals, flood, fire, hail, vandalism or glass breakage.
What can you do if someone keys your car?
If you want to make a claim for the keying of your car, you should get a police report, in case the perpetrator can be apprehended and held responsible, and then contact your insurance company to make a claim.
Comprehensive and collision are both physical damage coverages under your car insurance policy, and both come with deductibles that you chose at the onset of your policy.
Guide: What is comprehensive car insurance?
— Michelle Megna contributed to this story.
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