Don’t Risk Emptying Your Pockets Without a Vandalism Cover!
Do not become a victim of car vandalism! Remember, prevention is better than a cure. Even though it’s hard to predict becoming a victim of car vandalism, it’s essential to be prepared. Review your comprehensive insurance policy details to ensure it covers compensation for such incidents, so you don’t fall victim to car vandalism attempts twice! The costs of replacing damaged tires, repairing shattered windows, or repainting your car can amount to thousands of Riyals.
Car vandalism is a serious crime
Vandalism is considered illegal and a crime in the Saudi legal system because it damages personal property and causes significant financial distress and inconvenience for the owners.
What to do when your car gets vandalized
Don’t touch anything – try not to disturb any evidence before taking pictures to document the vandalism. Then, review any available cameras or dashcam footage if applicable. File a report with the police for documentation.
Does car insurance cover vandalism?
Uniform Comprehensive Insurance documents do not explicitly compensate car owners for damages caused by vandalism. However, you can expand your comprehensive insurance policy to include damages resulting from intentional acts or a series of deliberate acts of vandalism for an additional fee.
How to file a vandalism claim
Car insurance companies and the police handle damages resulting from vandalism differently than those caused by car accidents. Once your claim is approved, and the deductible is paid, your insurance company will cover the repair costs immediately.
Example of vandalism-related damages
Deliberate vandalism acts can include:
- Spraying paint on cars
- Smashing car windows (Note: not all car insurance policies cover car window damage, so carefully compare insurance quotes to find a policy that includes car window replacement coverage when damaged!)
- Scratching the car’s body: like keying the car with a sharp object
- Tire damage: deliberately puncturing or cutting tires
- Breaking side mirrors
- Interior damage: damage to the car’s interior, such as tearing seats or breaking car accessories.
Despite being blameless for the vandalism, the perpetrator is often unidentifiable, and your insurance company won’t be able to recover the costs from them.
Curb vandalism attempts
Even though vandalism acts may be unpredictable, there are steps you can take to thwart the vandals’ attempts:
- If you have to park your car on the street, park it in a well-lit area.
- Install a dash camera if you don’t already have one.
- CCTV Installation: Invest in setting up cameras on your property’s walls.
- Keep your personal belongings out of sight.
When we talk about crimes that target personal property, car vandalism is one of the most damaging and distressing acts one can experience. Cars are often a significant part of people’s lives and represent a substantial investment. That’s why it’s essential to be aware of the importance of protecting our property and consider how to compensate for the damages that our cars may suffer due to vandalism.
The primary benefits offered by comprehensive car insurance to its holders are peace of mind and alleviating the financial burdens they may face when their personal property falls victim to deliberate and intentional acts of vandalism.