Is travel insurance worth the money? 
If your car is the unfortunate victim of vandalism , will your current car insurance policy cover the claim ? The answer to this question depends on the type of auto insurance coverage you currently carry . If you only carry the minimum liability limits , the answer is no . However , if you carry comprehensive coverage , the answer is yes less any applicable annual deductible you have selected for your policy . Vandalism to your vehicle could include a variety of incidents ; key scratches , broken glass and other damage caused with malicious intent . Vandalism is different than burglary . If something was removed from your vehicle as a result of the vandalism , you must be sure to state this in your report . In most cases , comprehensive coverage will cover both theft and vandalism . The amount of coverage your policy offers depends not only on the overall type of policy you have selected , but the coverage limits , the type of claim , and your chosen annual deductible . In the case of high deductible policies , it may be more beneficial to pay for the repairs out of pocket than to run it through your insurance company . Before any claim will be paid , you must file a report with your local police department describing the nature of the vandalism . 