Month: July 2025

Data doesn’t track vandalism incidents per year as comprehensively as it does car accidents in Southeast Michigan. However, one year, hundreds of vehicles were vandalized on Halloween night. Unfortunately, vandalism can happen to anyone at any time, and repairing the damage can cost thousands of dollars. That’s why it’s crucial to ensure you have adequate insurance coverage.

Types of Insurance Coverage for Vandalism

Whether you can file a claim for vandalism depends on the type of insurance you have. Liability and collision coverage typically do not cover costs related to vandalism. However, comprehensive coverage usually does. Full coverage insurance provides protection for a wide range of incidents, including natural disasters and vandalism.

It’s important to note that self-inflicted vandalism is not covered. For example, intentionally damaging your vehicle to claim insurance for a new paint job is considered insurance fraud.

Understanding Deductibles

When filing a claim, you’ll need to pay a deductible. A deductible is the amount you pay out of pocket before your insurance coverage kicks in. For instance, if the damage costs $2,000 and your deductible is $500, you’ll pay $500, and your insurance will cover the remaining $1,500. To learn more about how to lower your deductible, work with an agent at an agency like Atlas Insurance Agency.

At Atlas Insurance Agency, we understand the importance of securing proper coverage before an incident occurs. It only takes one group of vandals to leave you with a repair bill worth thousands of dollars. Our agents can help you explore your coverage options and find the right policy for your needs. Contact us today to learn more. We proudly serve the Southeast Michigan area.