Vandalism to your vehicle—whether it’s a smashed window, slashed tires, or keyed paint—can be frustrating and costly. Fortunately, if you’re insured with ICBC and have comprehensive coverage, you’re likely protected. This guide breaks down how to claim vandalism damage through ICBC and offers practical tips to make sure you get the most out of your coverage.
What Counts as Vehicle Vandalism?
Vandalism includes any intentional act of damage to your vehicle by another person. Common examples include:
- Broken windows or mirrors
- Scratches or graffiti on paint
- Slashed tires
- Damage to locks or doors
- Broken lights or wipers
If the damage was caused by someone on purpose and not by accident or weather, it’s considered vandalism.
Are You Covered?
To be covered for vandalism under ICBC, your vehicle must have comprehensive insurance (not just basic). Comprehensive coverage protects you from non-collision incidents like:
- Theft
- Fire
- Falling objects
- Weather events
- Vandalism
Tip: Always double-check your policy or speak with your insurance broker to confirm coverage before filing a claim.
Step-by-Step: How to File a Vandalism Claim with ICBC
- Document the Damage
Take clear photos of all visible damage from different angles. This helps support your claim. - File a Police Report
ICBC usually requires a police report for vandalism claims. Be sure to get a copy or report number. - Report the Claim to ICBC
Call ICBC directly or file your claim online. You’ll need your driver’s license, vehicle details, and the police report info. - Visit a Repair Shop
If the vandalism includes broken windows or windshields, trusted shops offering auto glass repair Langley can restore your vehicle quickly and professionally.
Tips to Maximize Your Coverage
- Don’t Delay Reporting: The sooner you report the damage and file your claim, the smoother the process.
- Ask About Your Deductible: Depending on your policy, you may have to pay a deductible. Some shops may help you with deductible support.
- Keep All Receipts: If you pay out of pocket for towing, temporary repairs, or security upgrades, ICBC may reimburse you.
- Use ICBC-Approved Repair Shops: Choosing an ICBC glass repair facility can make the claim process seamless, as they’re authorized to bill ICBC directly and often handle paperwork for you.
How Vandalism Claims Affect Your Insurance
Good news—comprehensive claims like vandalism usually don’t impact your premiums. These types of incidents are considered beyond your control, so they typically won’t result in a rate increase.
Prevention Pays Off
While you can’t always prevent vandalism, these simple steps can lower your risk:
- Park in well-lit, secure areas
- Avoid leaving valuables visible inside your car
- Consider a dash cam or a car alarm
- Use secure parking when available
If your windows or mirrors were damaged, windshield repair in Langley can be completed quickly, often within the same day, by local experts who understand ICBC’s process.
Dealing with vehicle vandalism is stressful, but the ICBC claim process is designed to support you, especially when you’re working with trusted repair shops that understand the system. By acting fast, gathering the right documentation, and knowing your coverage, you can make a smooth recovery and avoid out-of-pocket surprises. For fast, professional service and help with your ICBC claim, contact GlassCo Auto Glass & Window Langley—your local experts in auto glass repair and replacement.
