If you own a car in Fort McMurray and a car insurance policy to go along with it, then you might have wondered at some point whether your policy also extends to cover acts of vandalism.
Unfortunately, there is no "one-size-fits-all" answer to that question because it depends on what type of policy you are covered under. Generally speaking though, if you own a comprehensive car insurance policy then yes, you can can expect your policy to cover acts of vandalism.
This is because this type of policy helps you pay for damages that aren't caused by a collision. Vandalism is one of them.
But what exactly classifies as "vandalism"? Once again, this is a grey area because what one company in Alberta might consider vandalism might be different from what another company considers vandalism. The best way to find out what your insurance company considers to be "vandalism" is beforehand -- so be sure to read through your policy carefully or to give your insurance company a call this week. This will also ensure that you are properly covered and will give you an idea of whether you need to purchase additional coverage or not. Please remember that car theft does not fall under the vandalism category and requires a totally different kind of claim.
If your car has been vandalized, the best thing that you can do is file a claim after reporting the incident to the police. Keep in mind, however, that vandalized claims might differ from other type of claims. Make sure to have evidences ready, to document the damages and to be as helpful and cooperative as you can possibly be.