Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2013

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Insurance Question from Dallas, TX

Asked on 06/06/2013

my car was keyed and vandelized im not sure the right way to go about making a claim … i mean i paid for full coverage what do i do ok so my car was keyed pretty bad and windshell busted and my mirrors ripped off.. im certin that it was a ex girlfriend ..do i call police and make a report .. or do i call giecko first.. i just want to do the claim process the right way so im not prolonging this how ordeal .. i want to know what are the the appropriate steps in order to please my insurance company to make this claims process as fast as possible.. ive have been with gieko for 2 years with no claims otther than a chip on the windshell and roadside claims for when my car needed a jump

Answer given on June 25, 2013

The order in which you resolve the issue of the vandalism damage to your car is not important. You need to file a police report, and your insurance company will want to you that you did so. You can tell the police who you think may have done the damage, but they may not take an action if there is no proof. You also need to tell your insurance company about the damage so they can start the claim for the repairs. You may not want to offer that you think your ex girlfriend did the damage, unless the police take action. You probably have a deductible for the damage to your car, but it sounds like there is plenty of damage, so the deductible shouldn’t be a problem, unless it is very high. You can choose your own place to get the car repaired. Since this is a comprehensive claim, and not collision, your rates on your insurance policy will not be affected.


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