Owning a vehicle, be it a car, a truck, a van, or anything in between, is a point of pride for almost everyone that drives. It doesn’t have to be the newest, the latest, the greatest, but it is your car. So it’s really annoying when you come out to your vehicle to find that someone has run into it, backed into it, or an act of God has made something fall on it.
Of course, the more moral and responsible folk out there would leave you a note if they were the offending party, and almost all insurance policies have acts of God as part of the comprehensive coverage. There is, however, one class of damage that some companies will file under a different heading and you need to ask for, while others have it included in their comprehensive coverage: Vandalism.
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