Does liability insurance cover vandalism?

No, Liability coverages of Bodily Injury and Property Damage in no way cover your own vehicle for damages sustained in an accident or by vandalism.

Liability coverage helps protect you from covered damage your car does to others, damage for which you are legally liable and without Liability insurance would have to pay out of pocket for damages you cause. In some cases these damages could grow into hundreds of thousands of dollars.

What your Liability insurance will cover depends upon the coverage you have in place and your state laws.  The purpose of Bodily Injury Liability and Property Damage Liability if you are at fault in an accident, your Liability insurance will pay for the bodily injury and property damage expenses caused to others in the accident, including your legal bills.

To have vandalism to your vehicle covered you would need Comprehensive coverage.  This physical damage coverage along with Collision is optional (though if you have a lien holder they will mandate that you carry it).  Collision insurance covers damage to your automobile caused by collision with another object or by upset. Comprehensive insurance covers damage to your automobile from vandalism, theft or glass breakage and "other than collision" incidents such as being hit by an animal, such as a deer.

With only Liability coverage you cannot make a claim for damages to your own car, such as vandalism. If you had Comprehensive you could make a claim and have your vehicle to be repaired from the vandalism damage and just owe the deductible associated with this coverage.

You can get low cost car insurance quotes for Liability only policies or ones with full coverage (including Collision and Comprehensive so your car is protected) with CarInsurance.com.  Just put in your zip code above and start your quoting process with us.