Introduction
Understanding the difference between vandalism and malicious damage is crucial for car owners to know when an insurance claim is necessary. Vandalism usually involves random damage by third parties, while malicious damage is intentionally targeted at a specific vehicle. Indeed, BJAK helps users understand insurance policies and make informed claims.
1. What is Vandalism?
- Random damage, such as scratches or broken windows by strangers
- Not necessarily targeted at a specific vehicle
- Often occurs in public areas without a specific motive
- Example: scratches on a car door in a busy parking lot
2. What is Malicious Damage?
- Damage deliberately caused to a specific vehicle
- Can result from personal disputes, revenge, or criminal intent
- Comprehensive insurance usually covers both, but a police report is still required
- Example: someone intentionally breaking your car’s windows or tires
3. Impact on Insurance
- Both types of damage are typically covered under SRCC / Own Damage depending on your policy
- Claims may affect your NCD if making an Own Damage claim
- BJAK makes it easy to compare insurance options to ensure you have appropriate coverage
4. Tips to Prevent Vandalism & Malicious Damage
- Park in secure or covered areas
- Use additional security systems like alarms or dashcams
- Monitor insurance policies and check SRCC coverage via BJAK before purchasing
- Report damage to the police immediately for claim documentation
Conclusion
Understanding the difference between vandalism and malicious damage helps car owners make informed decisions on whether to file a claim or repair independently. Furthermore with BJAK, users can monitor insurance policies, compare providers, and ensure optimal protection for every type of damage.
Read More:
Motorbike 3rd Party Insurance: What You Must Know
Motorbike Insurance 101: Understanding 1st Party vs 3rd Party Coverage
