Does Auto Insurance Cover Vandalism in Longmont?

Vandalism to a car in Longmont, CO can be done for any number of reasons. In some cases, the damage is intentional while in others, it’s purely accidental. But no matter how it occurs, your car will still need to be fixed. 1st American Insurance Agency wants you to know more about whether this will be covered under your policy. 

Check Your Terms

Vandalism is generally covered under your auto insurance policy, as long as you have extended coverage for it. If you simply have liability for it, then the damage will not be covered.  Vandalism is a crime, which means that the law does require the offending party to pay for the damages.  However, because vandalism is often completed far from the eyes of witnesses or law enforcement officials in Longmont, CO, you may not ever be able to get the justice you’re looking for. 

What You Can Do 

There are a number of ways to protect your car from vandalism. The simple act of finding a garage to park it in it can go a long way toward keeping others away. This may mean paying extra for valet or taking the time to pull into the garage every night. Or you might consider getting a dashcam to ensure that you can at least see who the person is who vandalized your car or how it occurred. 

If you’re concerned over whether your policy covers this particular act, call 1st American Insurance Agency today to find out more about the conditions of your contract. We’re here to help you get a handle on what might happen, and how you can have the right safety net should it occur. You might need to change your policy to ensure that you get what you need, so start the conversation with us today.