Does insurance cover a keyed car?

Publish date: 2024-07-10

**Yes, insurance can cover a keyed car if you have comprehensive coverage on your policy. Comprehensive coverage typically covers damages to your vehicle that are not caused by a collision, such as vandalism, theft, or natural disasters.**

It can be frustrating to discover that your car has been maliciously keyed. Keying is a form of vandalism that can result in unsightly scratches and damage to the paint job of your vehicle. Fortunately, if you have a comprehensive insurance policy, you may be covered for the cost of repairs.

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FAQs about insurance coverage for a keyed car:

1. What is comprehensive coverage?

Comprehensive coverage is a type of insurance that helps pay for damage to your vehicle that is not caused by a collision, such as theft, vandalism, or natural disasters.

2. Will my insurance rates go up if I file a claim for a keyed car?

Filing a claim for a keyed car may result in your insurance rates going up, as filing a claim can indicate to your insurance company that you are at a higher risk of having future claims.

3. How do I file a claim for a keyed car?

To file a claim for a keyed car, you will need to contact your insurance provider and provide them with details about the incident, such as when and where it occurred.

4. Will my deductible apply to a keyed car claim?

Yes, your deductible will likely apply to a claim for a keyed car if you have comprehensive coverage. You will be responsible for paying the deductible amount before your insurance kicks in to cover the rest of the repair costs.

5. How much will insurance cover for a keyed car?

The amount that insurance will cover for a keyed car will depend on the terms of your policy and the extent of the damage. Your insurance provider will assess the damage and provide you with an estimate of the repair costs that they will cover.

6. What if I don’t have comprehensive coverage?

If you do not have comprehensive coverage on your policy, then you will not be covered for damages to your vehicle caused by vandalism, such as keying. You may need to pay for the repairs out of pocket.

7. Can I add comprehensive coverage to my policy after my car has been keyed?

You may be able to add comprehensive coverage to your policy after your car has been keyed, but it is important to note that insurance companies typically do not cover pre-existing damages. It is best to have comprehensive coverage in place before an incident occurs.

8. Will insurance cover the cost of repainting my keyed car?

Insurance may cover the cost of repainting your keyed car if you have comprehensive coverage. However, the amount of coverage will depend on your policy and the extent of the damage.

9. Will insurance cover other damages caused by vandalism along with keying?

If your car has been vandalized in addition to being keyed, such as having broken windows or slashed tires, insurance may cover the cost of repairs for those damages as well under comprehensive coverage.

10. How long does it take for insurance to process a claim for a keyed car?

The amount of time it takes for insurance to process a claim for a keyed car can vary depending on the insurance company and the extent of the damage. Typically, the process can take a few days to a few weeks.

11. Can I choose where to have my keyed car repaired?

Insurance companies may have preferred repair shops that they work with, but in most cases, you should be able to choose where to have your keyed car repaired. Just make sure to check with your insurance provider before making a decision.

12. What should I do if I suspect my car has been keyed?

If you suspect that your car has been keyed, it is important to document the damage by taking photos and contacting your insurance provider as soon as possible. They can guide you through the process of filing a claim and getting your car repaired.

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