Vandalism car: will it be reimbursed?
Do you have damage to your car due to vandalism? Vandalism is the deliberate destruction of the car and is excluded from coverage by many insurers in the policy conditions if you only have car insurance with WA coverage coverage. This coverage only compensates for damage you cause to others and thus no damage to your own car. Do you want to insure against vandalism of your car? Then you should at least have a car insurance with third-party limited liability coverage or even a allrisk coverage.
Report vandalism car
If vandalism has affected your car, it is important to always file a report. With a report, the police can the perpetrators attrack down the perpetrators and with that, you can recover the damage you have incurred from the perpetrators. The police can also take extra measures when there is a frequent nuisance of vandalism in the neighborhood and mobilize the neighborhood to prevent vandalism. When vandalism occurs, there is no need to call 911 unless you catch perpetrators in the act. In that case, the police can come urgently to catch the perpetrators immediately. You can report vandalism to your car at the police station, or you can report it online. You do not have to go to the police station, but you can report the crime from the comfort of your home. If you want to claim damages from your insurer, filing a report is absolutely necessary.
What is car vandalism?
If you are a victim of car vandalism, it is wise to check the policy conditions of your car insurance. Are you only WA insured? Then compensation for the damage by your insurer is out of the question. You can only hope that the perpetrators will be caught and that you can get compensation through them. If you have limited liability coverage, you will usually be reimbursed for the damage, but only under the following conditions:
- You have windshield damage.
- Vandalism has occurred due to riots.
- You have damage to your car due to burglary or attempted burglary.
- Joyriding with your car has taken place.
All other vandalism to the car, such as punctured tires, broken mirrors or scratched paintwork, are only eligible for reimbursement if you have all-risk car insurance.
What about the deductible and claim-free years?
In most cases, you will face a deductible when claiming car vandalism damage. How high the deductible is depends on which insurance and insurance company you have. The amount of the deductible can be found in the policy terms and conditions. This can also mean that it is more convenient not to claim any damage. For example, if the damage is lower than the deductible. In this case it is better to pay for the damage yourself. Claiming damage due to vandalism to the car also has consequences for your claim-free years. As a result, you may fall a few bonus-malus ladder. This does not take into account how big your damage is. Again, it is wise to carefully consider whether the amount of damage is worth lowering your claim-free years.
Car vandalism: perpetrator known what now?
If the perpetrator is known of the vandalism to the car, then recovering the damage becomes a little easier. You can then claim the damages from the perpetrator himself. However, it should be noted that the culprit must be financially capable of compensating your damage or his liability insurance is willing to compensate you for the damage. Is the perpetrator unable to compensate the damage or is his insurance company not cooperating? Then it is possible in exceptional cases to appeal to the Motor Traffic Guarantee Fund. The condition is that the vandalism to the car took place with another vehicle and that this vehicle is not insured or is registered as stolen. Is the offender is under the age of 14? Then file your claim with the parents or the parents' liability insurance.
Car vandalism: perpetrator unknown what to do now?
In case of car vandalism, is the perpetrator unknown? Then you cannot claim damages from the perpetrator. In that case, you can appeal to the Motor Traffic Guarantee Fund. Two requirements apply here, namely that damage must have been caused by a motor vehicle and that a counterparty can be held liable for the damage, even if this party is unknown. Your damages will only be compensated if you have done everything possible to trace the perpetrator. You can prove this, for example, with a report to the police. If you meet these conditions, you will be compensated for the damage of vandalism to the car from the Guarantee Fund.
Damage to car due to vandalism ?
Damage to your car due to vandalism is, of course, incredibly annoying. If someone has deliberately scratched your car or kicked the mirror off, it is totally beyond your control. Destruction or damage done intentionally is categorized as vandalism. Unfortunately, in many cases you end up paying for the damage yourself, unless you are properly insured. In any case, always contact your car insurance company after damage caused by vandalism. If the damage to the car was caused by children up to the age of 14, the parents of these children are fully liable. Here, it does not matter whether the damage was caused intentionally or not. There is of course a difference between a child intentionally scratching a car or accidentally scraping past it with his bicycle, but for insurance purposes this does not matter.
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