2019년 3월, A 씨가 길가에 주차 후 식당에서 식사를 마치고 나왔더니, 누군가가 주차된 A씨의 차량을 고의로 파손하고, 차량 안에 있던 블랙박스를 훔쳐 달아난 상태였습니다.
Q. 자동차 보험으로 처리가 될까요?
A. 차량 수리는 자동차 보험 (Comprehensive Coverage)으로 처리됩니다. 도난 당한 블랙박스는 자동차 보험이 아닌 집 보험으로 처리될 가능성이 큽니다. 그러므로 이 경우에는 자동차 보험 클레임과 집 보험 클레임을 각각 다 오픈하셔야 합니다.
Scenario 1: Your car was damaged as a result of a break-in.
If you have comprehensive coverage, you’re in luck. Comprehensive insurance will typically cover repair costs for your vehicle, which may include:
- Broken door locks
- Smashed windows
- Broken ignition system
Scenario 2: Your car was stolen.
This situation also depends on the type of car insurance you have. If you have comprehensive coverage, your vehicle’s value will be covered.
Scenario 3: Your personal items were stolen from your car.
So, does car insurance cover stolen items? Unfortunately, it does not. Comprehensive auto insurance will only cover the components and features that are permanent, pre-installed parts of the car. It will not cover your own personal belongings left inside, such as an iPod or wallet. However, these items would likely be covered by a homeowners or renters insurance policy. If your car were stolen with personal items inside, you would need to file two different claims – one through your auto insurance and one through your homeowners insurance.
Does car insurance cover vandalism?
As long as you follow the appropriate steps, comprehensive car insurance will provide coverage in the unfortunate event your vehicle is vandalized. Here are the actions you should take immediately following the incident:
- Call the police to report the vandalism, as your car insurance company will require you to file a police report.
- Make note of all damages to your car and take pictures to document the destruction.
- Contact your auto insurance company to submit a claim. You will need to have the list of damages you compiled, pictures of the damages, and a list of any items that were stolen.
Taking the proper precautions will help to keep your car safe and reduce your chances of theft or vandalism. Get tips on how to prevent these situations in the future.