We know living in West Philadelphia has its ups and downs. If you park your car long enough on a city street in West Philly, there is a strong chance you could fall victim to vandalism. Hundreds of cars are vandalized on city streets every year. You may not know what to do if your car was vandalized in West Philadelphia. That’s okay though because not everyone does. Today, Paul Bros. is talking about the steps to take and process that follows when reporting a vandalized car.
What to Do if your Car was Vandalized in West Philadelphia
Obviously, the first thing you’re going to want to do when you find your car has been vandalized is to report it to the police. Document absolutely everything that was damaged by the vandals. Take photos of everything and write detailed lists of anything that was stolen or broken. Photos and lists are extremely useful to police, insurance companies, and repair shops.
If your car was vandalized in West Philadelphia, you also need to make a list of any stolen items. There are criminals who will smash up and damage your car just for the sake of it but there are those trying to steal personal items. Your car may have been the victim of a broader crime so the more information the better. Plus, insurance companies will often require a police report before they process any claims you make. Included in a report to the police should be:
- Driver’s License
- Vehicle Registration
- Insurance Policy
- Detailed list of property stolen or damaged
- Location the event took place
- Approximate time and date of the vandalism
Will Insurance Cover Vandalism?
The good news if your car was vandalized is that, if your auto insurance policy has comprehensive coverage, you should be protected. That being said, there is usually still a deductible you will be required to pay for the policy to work. Because of the costs of deductibles compared to the typical repair costs for vandalism/theft, it may be wise and financially sound to cover repair costs on your own.
For example, if your windshield is smashed, and it costs $580 to replace and your deductible is $500, it may just make more sense to cover the repairs yourself. However, if you filed a claim before getting the estimate and decide to cover the costs yourself, it may cause your insurance rates to increase.
Some insurance companies, however, will work with you to give you the best deal. Gieco, for example, will waive the deductible for small repairs like glass chips that are no bigger than the size of a dollar or quarter. This is to give you the car owner the incentive to repair these problems as soon as you possibly can, preventing them from getting worse.
Getting Vandalism Repaired
If your car was vandalized in West Philadelphia, you may not know where to begin your search for the best repair shop. Not all repair shops want to handle vandalism repairs because they have to wait on police and insurance companies. At Paul Bros., we want to help you get back on the road as soon as possible.
Our technicians are experienced and equipped to handle car who has become the victim of vandalism. Some of the most common things we see associated with theft/vandalism attempts are:
- Broken glass – windows, windshield, rear windshield, mirror glass
- Broken locks
- Handle Damage
- Interior Damage
- Paint issues – scratches, keying, graffiti, dents
- Emblem Damage
- Damaged Mirrors
- Other associated damage
At Paul Bros., we work alongside you and your insurance company to manage deductibles and/or self-pay. We update you on repair every step of the way. Should your car require extensive repairs, we offer a rental service and transportation services to get you where you’re going.
If your car was vandalized in West Philadelphia and you need repairs, reach out! Our team is waiting to help. Or, if you have more questions about vandalism repair or other auto repair solutions, check out our blog!
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