Does Insurance Cover Keyed Cars? Cracked Mysteries.

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When you wake up to find your car scratched and marred by an act of vandalism, your heart sinks. The term for this type of damage is “keying,” and it’s an unfortunate reality that many car owners face.

But what’s the silver lining in this dark cloud? Does insurance cover keyed cars?

In this article, we’ll walk you through the ins and outs of insurance coverage for keyed cars, demystifying the process and giving you the clarity you need to handle such unfortunate situations. So, let’s dive in.

Quick Look:

  • If your car gets keyed, insurance can cover the damage.
  • Comprehensive coverage is your key to protection.
  • Liability-only coverage won’t protect against keying.
  • Learn what steps to take if your car is keyed.
  • Discover how insurance claims can affect your premium.
  • Get prevention tips to keep your car safe from vandals.

Does Insurance Cover Keyed Cars? Demystifying the Coverage.

Understanding Keyed Cars and Insurance Coverage:

Keying is a malicious act where someone intentionally scrapes a sharp object across the surface of your car, leaving behind a trail of scratches and damage.

keyed car

The crucial question is whether your insurance policy steps in to help when you’re faced with such vandalism.

The answer isn’t a simple “yes” or “no.” It hinges on the type of insurance you have and the specific circumstances surrounding the incident.

Types of Insurance Coverage:

Comprehensive Coverage:

Comprehensive coverage, also known as “other than collision” coverage, is your best friend when it comes to protecting your car from non-collision incidents.

keyed car

It’s like a safety net for your vehicle, offering coverage for a range of unfortunate events, including theft, fire, natural disasters, and yes, vandalism.

Keying falls under the comprehensive coverage umbrella. If you have this type of coverage, you’re in luck.

The costs of repairing the scratches and damages caused by keying could potentially be covered, minus your deductible.

Liability-Only Coverage:

Now, if you’re relying on liability-only coverage, it’s time to brace yourself. Liability insurance primarily covers damage you cause to other people’s vehicles and property, not your own.

So, when your car becomes a canvas for a key-wielding artist, this type of coverage won’t be of much help.

To safeguard against keying and similar incidents, you’ll need to explore comprehensive coverage.

Prevention Tips:

Now, let’s talk about proactive steps you can take to reduce the risk of your car falling victim to keying or similar acts of vandalism. Here are some practical tips to safeguard your vehicle:

  • Park Strategically: Choose well-lit and busy parking spots to deter vandals.
  • Install Security Measures: Consider installing security cameras or alarms near your parking space.
  • Use a Car Cover: A car cover can add an extra layer of protection, making your vehicle less appealing to vandals.
  • Join a Neighborhood Watch: If your community has a neighborhood watch program, getting involved can help keep your car safe.

Legal Implications:

For those who engage in keying or vandalism, there are legal consequences. Vandalism is a criminal act, and those caught in the act can face penalties such as fines and even jail time.

It’s a stark reminder of the need for insurance coverage, both for car owners and potential culprits.

Comparing Coverage Policies:

To make an informed decision about your insurance coverage, it’s essential to compare policies from different providers. Here’s a brief overview of what you should consider:

  • Coverage Limits: Check the maximum amount your policy will pay for keyed car damage.
  • Deductibles: Understand how much you’ll need to pay out of pocket before insurance kicks in.
  • Premium Costs: Compare the premiums for comprehensive coverage across different insurers.
  • Claims Process: Research the ease and efficiency of the claims process with each provider.


Does filing a claim for keyed car damage spike my premium?

Filing a comprehensive claim for keyed car damage typically has a milder impact on your premium compared to at-fault collision claims.

However, it’s always a good idea to consult with your insurance provider to get a clearer picture of how your premium might be affected.

What immediate steps should I take upon discovering keyed car damage?

It’s crucial to act swiftly:
Step 1: Document the extent of the damage with clear photographs.
Step 2: File a police report, especially if the vandalism appears intentional.
Step 3: Contact your insurance provider to initiate the claims process.

Does my insurance cover a complete paint job for extensive keyed damage?

In most cases, insurance will cover the cost of repainting the affected areas. However, the extent of coverage may vary depending on your policy’s terms and coverage limits.


In a world where life’s twists can leave us reeling, insurance coverage serves as a cushion against the unexpected, such as car keying.

The question is, Does insurance cover keyed cars? isn’t black and white. It hinges on your coverage type. Comprehensive coverage emerges as a savior, ensuring that even in the face of vandalism, your vehicle can be revived.

Prevention remains vital; explore insurance options, and select a policy tailored to safeguard against life’s curveballs.

So, remember, when it comes to protecting your car from keying and other forms of vandalism, the right insurance coverage can be your trusted ally.


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