Yes, car insurance typically covers vandalism in Ontario and other parts of Canada. This coverage is usually included in a comprehensive insurance policy, which helps protect against damage to your car that is not caused by a collision. Vandalism is considered a non-collision incident, and comprehensive coverage can help pay for repairs or replacement of your car if it is damaged by vandals. However, it’s important to check your specific insurance policy and speak to your insurance provider to understand the details of your coverage and any potential deductibles or limitations.
Do You Have To Pay a Deductable for Vandalism?
In most cases, yes, you may have to pay a deductible for vandalism claims on your car insurance policy in Ontario. A deductible is the amount of money you agree to pay out of pocket before your insurance coverage kicks in to cover the rest of the cost of repairs or replacement.
The specific amount of the deductible will depend on the terms of your car insurance policy. Usually, you can choose a higher deductible in exchange for a lower premium. For example, if you choose a $500 deductible, you will have to pay the first $500 of any damage caused by vandalism, and your insurance company will cover the remaining costs up to your policy limit.
Review your insurance policy to understand your deductible and any other terms and conditions that may apply to vandalism claims.
The Worst Types of Vehicle Vandalism
Vandalism can take many forms, and any type of damage to your vehicle can be frustrating and upsetting. Some of the worst types of vehicle vandalism in Ontario include:
- Keying: This is when someone scratches the surface of your car with a key or other sharp object, leaving deep marks and sometimes even damaging the paint job.
- Smashing windows: Vandals may break your car windows with rocks, bricks, or other objects, leaving your vehicle vulnerable to theft and further damage from the elements.
- Slashing tires: This type of vandalism involves puncturing your tires with a knife, screwdriver, or other sharp object, making your car undrivable and requiring expensive repairs.
- Graffiti: Vandals may spray paint or write messages on the surface of your car, leaving an unsightly mess that can be difficult and costly to remove.
- Fire damage: Arson is a serious crime that can cause extensive damage to your vehicle and put you and others in danger.
If your car is vandalized, it’s important to report the incident to the police and your insurance provider as soon as possible to begin the claims process and get the repairs you need.
How to Prevent Car Vandalism
While it may not be possible to completely prevent car vandalism, there are some steps you can take to reduce the likelihood of your vehicle being targeted:
- Park in a well-lit area: Vandals are less likely to target a car that is parked in a well-lit area, as it increases the risk of being seen or caught.
- Use a garage or carport: If you have access to a garage or carport, use it to park your car, especially overnight.
- Install a security system: Consider installing an alarm system or other security measures, such as motion sensors or cameras, to deter would-be vandals.
- Use a steering wheel lock: A steering wheel lock can make it more difficult for someone to steal your car or vandalize it.
- Keep valuables out of sight: Don’t leave valuable items in your car where they can be seen, as this may attract thieves or vandals.
- Get involved with your community: Participate in community watch programs or work with local police to keep an eye out for suspicious activity in your neighborhood.
Remember, there is no foolproof way to prevent car vandalism, but taking these steps can make it less likely that your vehicle will be targeted. If your car is vandalized despite your efforts, report the incident to the police and your insurance provider as soon as possible.