Does car insurance cover vandalism? 
It can . Vandalism is covered under comprehensive which is one of two types of coverage that can be included under physical damage on your auto policy . The other coverage that protects your actual vehicle is collision . Comprehensive and collision are required when you have a loan but are optional when you do n't . These two coverages provide protection for the car itself if it gets damaged and typically requires that you pay a deductible first before the insurance company responds . Typically , collision covers anything you collide or have an upset with while comprehensive covers everything else including fire , theft , and vandalism . 