Yes, the comprehensive coverage of your auto policy may cover vandalism in your car minus any deductibles, since intentional damage to your vehicle is beyond your control. Comprehensive coverage is optional coverage. Although optional, auto lenders may require you to carry comprehensive insurance when leasing or financing a vehicle. It can cover damage caused by fire, hail, vandalism, theft or collisions with animals, among other unexpected and uncontrollable events.
Comprehensive car coverage doesn't cover damage caused by a collision with another vehicle or object. Yes, your car insurance will cover cracked tires if you have comprehensive coverage. There is a misconception that insurance companies won't cover three cut tires, but will cover four cut tires. The truth is that you're covered against any number of cracked tires, as long as you have the right coverage.
The medical payment coverage in your auto insurance policy will cover your co-worker's hospital bill up to the limits of your policy. Generally, your car insurance policy won't pay to repair or replace a flat tire, unless it's the result of an accident. If you have comprehensive auto and collision insurance coverage, you'll usually be covered for tire damage if it's the result of an accident or something unexpected, such as theft or vandalism. Progressive roadside assistance pays for towing services if your car breaks down for any reason, whether it's on the road or in your driveway.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. This type of car insurance coverage also applies if you or your family members are traveling as passengers in other vehicles or are hit by a car while walking or biking. Comprehensive car insurance doesn't cover damage to your car from a collision with another vehicle or object other than a live animal. Car insurance coverages vary depending on individual and state needs, but almost all policies contain liability coverage.
Liability is mandatory auto insurance coverage in 49 states, while comprehensive and collision coverage are optional if the car is paid for.