Someone keyed my car. Will insurance cover it?

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently...

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business...

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Reviewed byBrad Larsen
Licensed Auto Insurance Agent

UPDATED: Mar 13, 2020

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Here's what you need to know...
  • If your car is keyed, this is considered a crime of vandalism in terms of filing a claim through your auto insurance policy
  • If you only have a basic liability insurance, then a claim like this won’t be covered
  • For a claim of vandalism, a comprehensive auto insurance policy would provide coverage
  • Detail the damage through photos as evidence to support your claim

If your car has been keyed, then you are a victim of the crime of vandalism. If you are looking into ways to have the damage repaired, then you might be wondering whether your auto insurance policy will cover the cost of your repairs. The answer is yes if you have a comprehensive auto insurance policy. You can find out the exact coverage limits from the declarations page of your auto insurance policy.

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Vandalism Covered by Your Comprehensive Auto Insurance Policy


While comprehensive auto insurance coverage is not something that you are required to have from the department of insurance or department of motor vehicles for your state, it can be very helpful in covering claims that do not exactly result from a car accident. If you are leasing a car or are financing your car loan, then you may already be paying for comprehensive auto insurance coverage as a condition of the loan agreement. A comprehensive auto insurance policy will protect you against vandalism of your car, which would include it being keyed.

When you think about filing a claim under your comprehensive auto insurance policy, you should check and see what the coverage limits are for your claim.

If you have a copy of your comprehensive auto insurance policy, you can easily check the declarations page for this information. If you have questions about how to find this information, contact your auto insurance agent directly.

In filing a claim, there may be certain requirements that your auto insurance company makes you follow. For example, in the case of vandalism or theft, you may need to file a police report to have the damage documented. Make sure to keep a copy of the policy report for your own records.

You may also have to have a claims adjuster come out and look at the damage to your car before you receive a settlement check for the cost of the repairs. The claims adjuster may also determine a reasonable estimate for the cost of your repairs.

Paying Your Deductible for a Vandalism Claim


One of the reasons that some people decide not to report minor cases of vandalism to their cars is that they have a deductible amount that they must pay in order to file a claim under their comprehensive auto insurance coverage. If you have to pay a pretty high deductible, then you may want to think twice about filing a claim for minor damage to your car.

For example, if you have a $500 deductible for your comprehensive auto insurance policy, it might not make sense for you to file a claim if you only have $600 worth of damage to your car.

If you are considering different options in trying to get a lower rate for your auto insurance coverage, you should ask each auto insurance company that you get a quote from about the option to raise your deductible and lower your premium payment. Each auto insurance company will have different levels of deductibles you can choose from, which is why it is a good idea to shop around for as many options as you can get.

Settling Your Vandalism Claim

You may want to ask your auto insurance company about how filing a claim for vandalism could affect your auto insurance rates in the future. Every auto insurance company is different in terms of how they evaluate rate increases and what types of claims can trigger an increase in your rates. In general, claims for incidents that are not your fault are less likely to result in an increase in your rates than those types of accidents or incidents for which you are at fault.

In general, claims for incidents that are not your fault are less likely to result in an increase in your rates than those types of accidents or incidents for which you are at fault.

Another thing to keep in mind about comprehensive auto insurance coverage is that if you have an older car or have paid off your car loan, it may not make sense for you to continue carrying this type of coverage. This is especially true if you are already paying a very high deductible in order to keep your premium payments as low as possible. This decision should also depend on the value and mileage of your car. If it is a lower value car, this coverage might not make sense for you.

This decision should also depend on the value and mileage of your car. If it is a lower value car, this coverage might not make sense for you.

The Final Word on Repairing a Keyed Car


In sum, if your car is keyed by someone, comprehensive auto insurance coverage can help you pay for the repair costs. You will be responsible for the amount of your deductible and for following through with your auto insurance company in filing and settling the claim. You may also be required to get a police report for the claim because this is technically a property crime involving your vehicle.

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