Most of the time, damage to your parked vehicle will be covered by comprehensive coverage, as its name implies. This includes the following:
You can file a property damage claim against the insurer of the person who damaged your parked car if you know who did it.
The insurance policy of the driver who was at fault pays for property damage liability. The fact that you won’t have to pay a deductible when you file a property damage claim against another person’s policy is the best part.
This means that your insurance rates won’t change.2 In addition, you can apply for a rental car while your car is being fixed.
It is best to notify the authorities as soon as possible if your vehicle is ever damaged by vandalism. This way, it won’t be hard to prove that the damage was done. It will be much simpler to get paid by an insurance company.
When you don’t know who hit your car, the damage will be covered if you have collision coverage. As long as you have this coverage and pay your deductible, your insurance company will pay for your vehicle’s repairs.
