A wild animal got in my car and ripped it to shread’s including some clothes. Would either auto or home owners insurance cover this as vandalism?
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UPDATED: Sep 21, 2011
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Insurance Question from Charlotte, NC
Asked on 09/21/2011
A wild animal got in my car and ripped it to shread’s including some clothes. Would either auto or home owners insurance cover this as vandalism? NULL
Answer given on September 23, 2011
The damage to your car, caused by an animal, would not be considered a vandalism loss since an animal cannot be considered to be a vandal. However, if you have comprehensive coverage on your car, you should check with your agent or company to see if this would be covered. Some policies will have exclusions which could prevent you from being reimbursed by this damage. Your deductible will apply.The clothes that were damaged would not be covered by the auto policy. Personal property under the homeowner policy is usually a “named perils” policy, meaning the company lists what cause of loss they will cover. Damage by an animal is usually not covered, and this again would not be considered vandalism, but you should check with your agent. Again, the deductible will apply to any covered loss, so even if there is coverage, it is likely the loss will be below the deductible.
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