What does the vandalism guarantee of an auto insurance cover?

 What does the vandalism guarantee of an auto insurance cover?


Scratched door, broken mirror, tags: cars can be subject to acts of vandalism, especially when parked on public roads. Your vehicle has just been vandalized and you want to know how you will be compensated? Explanations.
 

    Vandalism: will my auto insurance reimburse me?
    What reflex to adopt in the event of vandalism?

car and insurance vandalism
Vandalism: will my auto insurance reimburse me?

If you have an "All Risks" auto insurance contract, you will be compensated in the event of an act of vandalism on your vehicle.
If you are "third party" insured, there will be no coverage for damage. However, if the author of the damage is identified, you will be able to obtain compensation if the steps taken by your insurer against him are successful.
 
Note: as the victim of the incident, you will not be penalized in the event of an act of vandalism. On the other hand, when your vehicle is fully insured, in almost all cases the damage excess will remain your responsibility. It will only be refunded to you if the author is identified and the steps taken by your insurer against him have been successful.
 
What reflex to adopt in the event of vandalism?

After having noticed the degradation of your car, the first instinct will be to go immediately to the police station or the gendarmerie to file a complaint. It is strongly recommended to give precise details of the incident and, if possible, to provide proof of the act of vandalism, with supporting photos. The police will then give you a report.
 
You then have a maximum of 5 days to send this report to your insurer. Keep the copy in a safe place. An expert will then be sent on site to estimate the amount of repairs.