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When your wrapped car is vandalized in California, the situation can be a bit complex, but your insurance should still provide coverage, depending on your policy. Here’s what you can generally expect:
Comprehensive Coverage: If you have comprehensive insurance, it typically covers damages resulting from vandalism, which would include incidents like keying or spray painting your wrapped car. You would need to file a claim with your insurance company.
Assessment of Damage: The insurance company will likely assess the damage to both the wrap and the underlying vehicle. They may consider the cost of removing the wrap and repairing any damage to the actual paint underneath.
Cost of Removal and Replacement: If the wrap is damaged beyond repair, the insurance may cover the full cost of a replacement wrap, along with the cost to remove the vandalized wrap. Ensure you keep all receipts and documentation of work done.
Deductible: Keep in mind that you’ll likely have to pay a deductible depending on your policy terms. This means that the insurance will only cover costs above this amount.
Documentation: Be sure to take photos of the damage and keep any reports filed with the police, as this will be essential when filing your claim.
Policy Variations: Coverage can vary considerably between insurers and individual policies, so it’s important to review your specific insurance policy regarding coverage for wrapped vehicles.
If you have any further concerns, it’s a good idea to get in touch with your insurance agent to clarify your coverage options related to wrapped vehicles and vandalism.