🚘 What to Do If Your Vehicle Is Vandalized: Insurance & Documentation Guide
Vandalism can be frustrating and costly—but knowing how to respond can help you recover faster. This guide walks you through the steps to document the damage, file a police report, and start your insurance claim.
🧾 Step 1: Document the Damage Immediately
- Take clear photos of all affected areas:
- Scratches, dents, broken windows
- Spray paint or graffiti
- Slashed tires or damaged mirrors
- Capture wide shots and close-ups from multiple angles.
- Note the date, time, and location of the incident.
📞 Step 2: File a Police Report
Call your local police department or file online (if available).
Provide:
- Vehicle details (make, model, year, VIN)
- Description of the damage
- Location of the incident
- Any witness information or surveillance footage
📁 Step 3: Prepare Insurance Documentation
- Gather:
- Vehicle registration and title
- Photos of the damage
- Police report number
- Repair estimates (from trusted auto body shops)
- Contact your insurance provider and ask about:
- Comprehensive coverage for vandalism
- Deductible amount
- Whether a claim will affect your premium
🧠 Step 4: Tips for a Smooth Claim Process
✅ Do:
- Stay calm and factual
- Keep copies of all documents
- Ask for a claim reference number
- Follow up regularly
❌ Don’t:
- Delay reporting the incident
- Attempt repairs before inspection
- Exaggerate damage
- Ignore small details—they matter
🔧 Need Help with Repairs?
Find verified auto body shops and insurance support services across Saskatchewan. All Shops Finder connects you with professionals who understand the urgency and care needed after vandalism.