If you have comprehensive coverage, your auto insurance will cover damage to your car from vandalism or car theft. However, it won’t cover possessions that were stolen. You’ll need to file a claim with your homeowners or renters policy for any stolen items. Keep in mind that you’ll likely need to pay your comprehensive deductible to file a car insurance claim. Plus, filing a claim will raise your auto insurance rates. Because of this, consider paying for the damage out-of-pocket.