Significant Auto Insurance

Car Insurance & Vandalism: What Is a Fault Claim?

Your Liability

1. According to most insurance companies, the party who is legally liable for the vandalism is also the party “at fault.” Without another party to hold liable, you and your insurance company become legally liable.

Your Steps

2. Filing a police report is your first step. Gather all documentation, including copies of the police report, receipts for stolen or broken items, and any witness statements. Contact your insurance’s claims department as soon as possible.

Your Responsibilities

3. After the police have inspected the initial damage, it is up to you to avoid further damage. For instance, if a window is broken, you will need to provide a covering to avoid damage from rain or vandals. If further damage occurs due to your negligence, you will be considered at fault for the new losses and held responsible.

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Tags: Fault, Fault Claim