Watching someone get angry and dent your car is infuriating. But that doesn’t mean you’re stuck with an ugly dent or a door that won’t open. An auto policy may be able to help residents in Covington, LA.
Type of Coverage
Your coverage type determines whether your policy will help pay for repairs. Liability coverage only pays for the other person’s damages if you’re found at fault. Collision coverage can help if you’re in an accident. Comprehensive coverage typically covers vandalism, and someone kicking your car generally falls under that category.
The Deductible
You’ll pay your deductible first, and your provider covers the rest. In some cases, that deductible may actually exceed the cost of the repair. Speak with an agent at Soto Insurance Agency to confirm your deductible, then compare it to the estimated repair cost. Some insurers won’t process a claim if the repair cost falls below the deductible, so it’s worth checking this information before moving forward.
The Police Report
Most insurers require a police report for acts of vandalism. Contact the police as soon as you notice the damage; they may also offer the option to press charges against the person responsible. In some cases, your insurance provider may pursue its own legal action to recover costs. It’s worth speaking with an agent to better understand the full process before filing a claim.
Agents at Soto Insurance Agency can help you learn more. We’ll take the time to listen to your situation, review your deductible, and walk you through our full process for handling vandalism claims. Contact us today. We’re currently serving the Covington, LA, area.
