{"id":195,"date":"2021-01-08T23:23:06","date_gmt":"2021-01-08T23:23:06","guid":{"rendered":"https:\/\/www.oasisinsurance.com\/knowledge-center\/?p=25"},"modified":"2022-04-05T23:19:14","modified_gmt":"2022-04-05T22:19:14","slug":"what-to-do-if-someone-keyed-my-car","status":"publish","type":"post","link":"https:\/\/www.oasisinsurance.com\/blog\/what-to-do-if-someone-keyed-my-car\/","title":{"rendered":"What to Do If Someone Keyed Your Car"},"content":{"rendered":"

Seeing that someone has keyed your car is a sinking feeling. Your shiny vehicle now has a permanent etching, and unless you parked right beneath a security camera, there\u2019s a low chance you\u2019ll ever catch the culprit. That said, you don\u2019t have to despair. As long as you have comprehensive coverage from an Arizona auto insurance provider like Oasis<\/a>, insurance will cover the costs to repair your car.<\/p>\n

Will AZ Car Insurance Cover My Keyed Car?<\/h2>\n

The good part is, most of the top insurance companies in Arizona will cover repairs for your car if someone keyed it if you have comprehensive coverage. Comprehensive insurance is an add-on coverage that protects your vehicle in a non-collision accident. This might include if a tree falls on your car or a rock hits your car while driving. Not all plans come standard with comprehensive coverage, so double-check to make sure you have this coverage before filing a claim for a keyed car.<\/p>\n

Steps to Take If Your Car Is Keyed<\/h2>\n

To ensure the keying is covered, there are a number of steps you\u2019ll have to take. This gives your Arizona auto insurance company a chance to inspect the damage and make sure it was actually an act of vandalism (rather than you sideswiping a mailbox or hitting a stop sign). This is an important step because it will determine whether or not you are at fault for the damage (but more about that later).<\/p>\n

1. Take Pictures of the Damage<\/h3>\n

First and foremost, you\u2019ll want to have accurate documentation of the damage. Take photos on your phone from a few different angles so you can see the scratches clearly. Make notes on the exact time of day and place where the incident occurred. You\u2019ll also want to see if any witnesses noticed someone prowling around your car. If you\u2019re lucky, you may even be able to find security camera footage if you parked in a public lot.<\/p>\n

2. Call the Police<\/h3>\n

Once you\u2019ve done all you can at the scene, call the police. This isn\u2019t an emergency, so remember to use the non-emergency line. Once the police arrive, show them the situation and see if they can help you track down camera footage. While your report may not be enough to find the actor, they may have additional information to help catch the vandal. The police report will also be crucial for showing to your insurance company (and the courts if they catch the culprit).<\/p>\n

3. Get in Touch With Your Arizona Auto Insurance Company<\/h3>\n

After dealing with the police, the next call you should make is to your insurance company. They\u2019ll want to hear all about the incident, so it\u2019s a good idea to have all of your notes at the ready. The sooner you get in touch with them, the sooner you\u2019ll be on your way to having a good-as-new-car.<\/p>\n

4. Visit a Mechanic<\/h3>\n

The next step is to take your car to an insurance-approved mechanic for an estimate. Be sure that your insurance company has a partnership with them, or otherwise, they may not be willing to pay for their repair costs. Once you get the estimate, the mechanic can submit it to the insurance company so you can get a better idea of your out-of-pocket costs.<\/p>\n

5. Determine Your Payment<\/h3>\n

In most cases, once your insurer gets the estimate, they\u2019ll pay the mechanic directly. If that\u2019s the case, all you\u2019ll need to pay is your deductible. However, your insurance company may write you a check directly for the repairs. If this happens, you\u2019ll need to pay the mechanic for the full services when you pick up your car.<\/p>\n

How Does Filing a Keyed Car Claim Affect My Car Insurance in Phoenix, AZ?<\/h2>\n

When you file a claim for a keyed car with your AZ car insurance, it may affect your premium. However, because it is a comprehensive claim and not an at-fault car accident, your rates shouldn\u2019t jump up too much. At-fault claims are instances where you caused damage to the car, so it makes sense that these would affect rates more.<\/p>\n

How much your premium increases can also depend on how many claims you\u2019ve had in the past. If this is your first claim in the last two years, the increase should be minimal. However, if it\u2019s your second or third, you\u2019ll begin to notice a more drastic increase in your rates.<\/p>\n

When considering whether it\u2019s worth it to file a claim, a good rule of thumb is to consider the cost of repairs without insurance. If the price is less than your deductible, it makes more sense to just pay without submitting a claim to insurance at all. That way, you won\u2019t get a hit on your premium.<\/p>\n

What Is the Cost to Get a Keyed Car Fixed Without Arizona Auto Insurance?<\/h2>\n

The cost to repair a keyed car depends on how deep and long the scratch is.<\/p>\n

For small scratches that only breach the clear coat, it\u2019s typically possible to buff out the imperfection without repainting. This should only set you back $150 to $300.<\/p>\n

However, if that scratch is deep enough to reach the paint, the price goes up quite a bit. The repair shop will need to completely buff out and reapply paint in that area, so costs could be as high as $1,000.<\/p>\n

Even worse is if the scratch gets all the way down to the metal or plastic. This will require even more labor, so the repair price can go up to $1,500.<\/p>\n

If these repairs cost too much, you always have the option of trying a DIY repair. This might be a better idea for older cars that may have other imperfections. If your car is nearly brand new, chances are you won\u2019t be able to perfectly match the finish, making you unhappy with the result.<\/p>\n

Rely on the Best Car Insurance in Phoenix, AZ, for Your Keyed Car<\/h2>\n

If someone keys your car, don\u2019t stress. Oasis Insurance provides affordable insurance rates<\/a> that will cover damage from vandals. Learn more about our coverage and get your free quote<\/a> today.<\/p>\n

Get a Quote<\/a><\/div>\n
Call Us<\/a><\/div>\n
Find Your Office<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

Seeing that someone has keyed your car is a sinking feeling. Your shiny vehicle now has a permanent etching, and unless you parked right beneath a security camera, there\u2019s a low chance you\u2019ll ever catch the culprit. That said, you don\u2019t have to despair. As long as you have comprehensive coverage from an Arizona auto insurance 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