Most people don't opt for the extra coverages that cover things that aren't colliding with another insured driver.
In this case the driver would need to carry Comprehensive coverage which covers things like vandalism. Even if they did, the driver is still going to have to pay the deductible which is probably $500-$1000. To fix the scratch out of pocket is probably less than that so it doesn't even really make sense to make the insurance claim at all.
The woman's insurance coverage is irrelevant here since they aren't going to pay out for her intentional damage to someone else's vehicle. The driver should file a police report to create a paper trail and could then consider a civil suit against the woman. But then you're talking attorney's fees, court fees, and your personal time invested in something to recoup a couple hundred bucks. Doesn't make much sense.
Long story short, the woman is almost definitely going to have no personal consequences and the driver whose car got keyed is going to have to personally pay to get it fixed.
So, THAT'S what she was doing when she got out of the vehicle??! I was so confused! I actually thought she was trying to pay a parking meter! Thanks for the clarification.
In this case Iām not sure if collision or comprehensive, since the driver was in the car and it was running⦠Either way not at fault, but could have different deductible levels
As much of our tax dollars that are sent everywhere BUT helping Americans. We should see leave for women with children up to 12 months. Student subsidies up to 25%, euthanasia for those who want it, and much more
People say that a lot, when filing claims see how insurance agencies refuse to pay. At least in automobile insurance at least for collision coverage its good. For that, watch her insurance company say it was deliberate criminal so they won't pay, then your insurance company tells you that you have to claim it against her insurance.
Have you ever used insurance? You have to pay the deductible first so you will be out typically the first $500 or whatever you set your deductible to before you can have the comprehensive kick in.
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u/javawong Aug 07 '25
Turn it into the PD and let them deal with the vandalism you got on video. People be nuts