Will Insurance Cover If My Car Is Broken Into? 
Great question ! The damage should be covered , but if it costs less to fix it than your deductible is , you may be better off not filing a claim . For example , let 's say the damage to repair your window is $ 200 . Your deductible is $ 500 . Your insurance is only going to pay anything over the $ 500 mark , so you will end up paying for the window regardless . It may not make sense to file a claim , pay for the window yourself , and then watch your rate go up . If you have renters insurance , and the car was in your apartment parking lot , there may be coverage there , depending upon the terms of your renters insurance . If you did not file a police report , I 'd recommend that you do , it will help you if you ever need documentation of damage and help collect on your claim . If you need help , feel free to contact me . Thanks for asking ! 