Fear does not remove danger.
And if you've always been afraid of finding your car vandalized, it's better to be informed in order to know how to react.
Here's what you need to know if you're the victim of vandalism to your vehicle.
And even in the event of an attempted car theft, damage can occur.
Better to be well covered...
AUTO INSURANCE: I compare formulas to find the right guarantees
What to do if you find your car vandalized?
Have you just found your car vandalized?
Your first instinct should be to lodge a complaint with the nearest gendarmerie or police station.
In order to relate the facts in the smallest details, do not hesitate to take photos and videos of your vehicle.
In addition, you can collect testimonials by asking for the contact details of the people concerned.
When filing a complaint, also remember to specify if your papers have been stolen as well as personal accessories.
Then, you must notify your auto insurance company as soon as possible so that they initiate proceedings for a claim related to an act of vandalism.
Depending on the terms of your car contract, you can claim compensation from your insurer.
Good to know: your declaration of damage to your car must be made at least 2 working days after the incident.
When declaring your car to the insurer, you must report several elements:
Your contact details
Your contract number
The detailed circumstances of the incident
The damage suffered
Copy of the receipt of the filing of the complaint
The declaration for an act of vandalism on a car is made via a so-called durable medium (mail by registered letter with acknowledgment of receipt, email)... For support, everything will then depend on your contract.
>> I change car insurance contract to be better covered at the best rate
Vandalism: what coverage from the insurer?
Damage can be covered if your car insurance formula provides for it.
Third-party insurance being the least covering, it will not compensate you.
On the other hand, the other formulas of automobile insurance provide a guarantee in the event of vandalism.
Do not hesitate to check the clauses of your contract in order to verify the conditions and possibly the amount of the deductible.
If car insurance is covered, the repair costs can be reimbursed.
And if the damage is too great, for example with an end-of-life vehicle, a lump sum can be paid to you.
To know the amount, read your contract carefully, and when receiving auto insurance quotes, pay close attention to this point.
Please note: if you are responsible for the vandalism, you will obviously not be compensated.
