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
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Jun 6, 2013
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
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.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.