What do I do if some teenagers damaged my car by throwing things at it while I was driving.

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Aug 8, 2017

Advertiser Disclosure

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 Provo, UT

Asked on 08/08/2017

What do I do if some teenagers damaged my car by throwing things at it while I was driving. I was driving home tonight when I was hit by what i thought were several large rocks. I flipped around and saw some teenagers throwing stuff. My phone had died so i couldn't call the police until i was home. Anyway, once i got home i noticed a small scratch and a huge crack in my front will well of my car caused by what looks like an old dinner roll. I just want to know what you think I should do? There was no way to know who did it but my car was still damaged

Answer given on August 09, 2017

If your car was damaged due to kids throwing rocks, you can file a claim with your insurance company if you have comprehensive coverage on the car.  There is a deductible for this coverage, but it is usually a lower deductible than you would have on collision coverage.  The damage would be considered vandalism which is a part of the comprehensive coverage.

You may want to get an estimate for the damages before you file a claim, just to be sure it is worth it to file the claim. It should not affect your insurance rates since it was not your fault. There are some insurance companies that do adjust the premiums for any loss, but if you have standard coverage with a reputable company it should not have any effect unless you have filed multiple claims. Claims history is kept by insurance companies and multiple claims over a short period of time can raise a red flag.


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.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption