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Someone Keyed My Car. Will Insurance Cover the Cost to Fix It?

A person keying another person's car, which might be covered by car insurance.

Auto damage of any kind can be aggravating, but imagine the frustration of walking up to a parking lot to find a scratch on your car door and realizing it was intentionally vandalized? Whether the act was personal or random, having your car “keyed” is not only upsetting, it can also be costly. While your auto insurance may cover the damage it is important to do your research to know the most cost effective way to handle this unfortunate situation.

How To Fix A Keyed Car

If you’ve experienced a keyed car, you know how frustrating it can be. Key scratches can ruin the appearance of your vehicle and decrease its resale value. Fortunately, if you have keyed car insurance, you can file a claim to cover the damages. To fix a keyed car, start by taking pictures of the damage and documenting the incident. Contact your insurance company to file a claim, and provide them with the necessary information, including the police report if you filed one.

Once your claim is approved, you can take your car to a reputable auto body shop to have the scratches repaired. Depending on the severity of the damage, the auto body shop may use touch-up paint or perform a complete repaint. You may also want to consider adding a protective film or wrap to your car to prevent future damage. Be sure to keep all receipts and documentation related to the repair, as your insurance company may require this information for your claim. By following these steps, you can successfully fix a keyed car and restore its appearance.

When it comes to keyed car insurance, it’s important to choose the right policy for your needs. Look for a policy that covers damages caused by vandalism and includes coverage for scratches, dents, and other types of damage.

Check your deductible and coverage limits to ensure that they fit your budget and needs. Additionally, consider adding optional coverages such as rental car reimbursement or roadside assistance. By choosing the right insurance policy, you can have peace of mind knowing that you’re protected in case of a keyed car or other types of damage to your vehicle.

The Impact of Car Keying on Car Owners

Car keying is a malicious act where a person uses a sharp object to scratch the surface of a car’s paint. This act may seem harmless, but it can have a significant impact on car owners. Car keying can be a costly repair, with paint jobs ranging from hundreds to thousands of dollars. For car owners, it can be a frustrating and heartbreaking experience, especially if their vehicle holds sentimental value. Moreover, if the car is leased or rented, the car owner may be held responsible for the damage, resulting in additional charges. Beyond the financial burden, car keying can also affect the owner’s sense of security and safety, as they may feel targeted and vulnerable.

The impact of car keying can extend beyond the immediate financial and emotional toll on car owners. The act itself can also contribute to a broader culture of vandalism and disrespect for property. It can create a sense of fear and insecurity in communities, as car owners may worry about their vehicles being targeted again or about other forms of property damage. Additionally, car keying can damage the sense of community and trust between individuals, as it represents a violation of one’s personal space and property. Ultimately, the impact of car keying can be far-reaching, affecting not only the individual car owner but also the wider social fabric of a community.

Will Insurance Cover The Cost To Fix a Keyed Car?

If you have comprehensive coverage on your vehicle, then the cost to fix a keyed car will be covered under your policy. Comprehensive insurance helps pay for damages to a vehicle that did not result from an accident, but other incidents such as vandalism, theft and fire, among others.

When to File a Claim to Fix Scratches on Car

If you elected to have comprehensive coverage on your vehicle you will have a deductible associated with that coverage. Deductibles range from $0 to $1,000 or more. In order to have your insurance company cover the cost of your car scratch repair, you will need to pay this designated amount.

Your insurance policy premium is less likely to increase from a comprehensive claim compared to a collision claim because you are not at-fault for a comprehensive claim. However if you have multiple claims on your car insurance policy it may increase your rates.

With that said, it is important to examine the scratch on your car door or have a professional look at it to determine if your claim amount will be significantly higher than your deductible before you make your claim.

Factors That Can Affect The Insurance Coverage of a Keyed Car

There are several factors that can affect the insurance coverage of a keyed car. Firstly, the type of insurance coverage that the car owner has will play a significant role. If the owner has only basic liability coverage, their insurance policy will not cover any damages caused by vandalism, such as key scratches. On the other hand, if the owner has comprehensive coverage, which covers damages caused by events beyond their control, including theft, fire, and vandalism, they may be covered for the damages caused by keying. However, the policy may have a deductible, which means that the car owner will have to pay a certain amount out of pocket before the insurance company will cover the rest.

Another factor that can affect insurance coverage for a keyed car is the amount of evidence the owner has to support their claim. When making an insurance claim for damages caused by keying, the car owner will need to provide evidence of the damages, such as photos or a police report. Without sufficient evidence, the insurance company may not believe that the damages were caused by keying or may deem them too minor to warrant a payout. Additionally, if the car owner does not report the damage in a timely manner, the insurance company may deny the claim or reduce the payout, as delayed reporting can be seen as a sign that the damages were not a priority or that they may have been caused by the owner themselves.

The Importance of Having Insurance Coverage

Having insurance coverage is crucial in today’s world. It provides individuals and families with financial protection in case of unexpected events such as accidents, illnesses, and natural disasters. Insurance coverage can offer peace of mind and security, especially during times of uncertainty. For instance, medical insurance coverage can provide access to healthcare services, which can be costly, without worrying about the financial burden it may bring. Additionally, insurance coverage can protect one’s property from damage or theft, and liability coverage can offer financial protection in case of a lawsuit.
Moreover, having insurance coverage is not only essential for individuals but also for businesses. 

Business owners need insurance coverage to protect their business assets, employees, and customers. Without insurance coverage, a single unexpected event could result in financial devastation and potential closure of the business. Insurance coverage can also help business owners comply with legal requirements, such as worker’s compensation insurance or liability coverage for specific industries. In summary, insurance coverage is crucial for individuals and businesses alike, and it provides a safety net for unexpected events that can impact one’s financial stability and overall well-being.

Removal of a Scratch on Car Door or Body

The ways to get scratches out of car doors, trunks, hoods and other parts of your vehicle varies greatly based on the depth of the scratch. Your options may include: Polish or buff out the scratch. If your car has a small scratch that just affected the top layer of your vehicle – the protective clear coat, then you may be able to buff it out or have a professional do it to a nearly unnoticeable level. Reapply clear coat. If the scratch has damaged the clear coat and reached the paint then it may be necessary to have a professional reapply the clear coat. Touch-up paint or repaint. If the scratch has gone deeper than the clear coat and paint and has reached the primer and/or metal then deep scratch repair will be necessary. This would require the use of touch-up paint or the need to repaint the vehicle.

Find The Best Car Insurance Plan Online Today at Freeway Insurance!

When it comes to finding the best car insurance plan, it can be a daunting and time-consuming task. With so many insurance providers and policies available, it can be difficult to know which one is right for you. Fortunately, Freeway Insurance makes the process simple and stress-free. By providing an online platform to compare insurance plans, customers can easily find the coverage that meets their needs and budget. Whether you’re looking for liability, collision, or comprehensive coverage, Freeway Insurance has you covered.

In addition to their online platform, Freeway Insurance also offers personalized assistance from their team of experienced insurance agents. Customers can speak with an agent over the phone or (800) 777-5620 or in-person to get expert advice on which policy is right for them. With over 30 years of experience in the insurance industry, Freeway Insurance has a proven track record of providing excellent customer service and finding the best insurance plans for their customers. So why wait? Visit Freeway Insurance today to find the best car insurance plan for you.

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