Doe Your Auto Insurance Cover Vandelism?

If you have the right auto insurance coverage, you’ll usually be covered in the event of vandalism. Comprehensive coverage can pay for damages that occur outside of a auto accident, such as vandalism, fire or theft, minus your deductible. Your deductible is the amount of money you will have to pay toward fixing or repairing your car before your insurance kicks in.

This coverage, as well as collision coverage, may be required by your lender if you still owe money on your auto. It’s optional if you own your vehicle outright. But given the cost of repairing a vandalized vehicle, you may find it unwise to go without it. Your local  agent can help you decide the amount of coverage that makes the most sense for you.

Repair costs will vary based on your vehicle’s make and model as well as the extent of the damage. Without the right protection, you’ll pay for those repairs out of your pocket.

Comprehensive coverage can help cover expenses to fix broken locks, windows and whatever else the culprit decided to smash.  Car-Lotta Car Sales reminds you to check with your  agent to see if your policy covers vandalism and what else you can do to protect your investment.

Has Your Auto Ever Been Vandalized?

 

Garage or no garage, vandals can always find ways to make a mess if they’re persistent. When your automobile  is covered in scratches and spray paint, there are steps you can take to help make the claims process as quick and easy as possible.

 

Take these steps to make sure you’re covered:

• Document the scene. Record the damage with pictures, videos and notes. You may overlook important details in the heat of the moment, and they’ll come in handy with the authorities and your insurance company.
• Don’t touch anything. Your car becomes evidence once it’s been vandalized, so be sure to keep things as they are. If you try to fix the damage yourself, it could make matters worse and affect the police report.
• File a police report. Filing a claim without a police report may look suspicious to an insurance company. Call the police to get a record of the crime. Remember to request a copy for yourself to use when filing your claim.
• Call your agent. Contact your insurance company to file a claim and be sure to submit all available information. They may send a claims adjuster to assess the damage. In that case, stay in touch with your agent so you know what your next steps are.
• Get it repaired. During the claims process, you’ll need to transport your car to a safe place in the same condition you found it. If your car is unsafe to drive, have it towed to a body shop and leave any repairs to the professionals.

 

 

                               Car-Lotta Car Sales  wants to keep you informed

How Oftern Do You Disinfect Your Automobile??

                Do You Disinfect Your Auto  ?

The first step to cleaning and disinfecting your  vehicles interior is to choose the cleaning agents and materials. Depending on whether you have leather, cloth, or imitation leather upholstery, steps and cleaning agents will differ.

Steps for Cleaning & Disinfecting Automotive  Interiors

Vehicle interiors are built to be durable, hard scrubbing or using a rough cloth can cause scratches or even discoloration. A wipe with alcohol on hard surfaces and gentle circular cleaning on upholstery are the best bets for both cleaning and maintaining your car interior.

It is also very important not to use too much water on your seats. If cloth upholstery soaks through with water, it can get into the cushion beneath. This can cause the  mold  to grow and create  that musty smell you will recognize if you've left your car windows open in the rain.

If washing the seats of your car, it is best to wet a cloth or sponge with soap and water and wipe the seats. You do not want to leave excess soap or water, as it can take a long time to dry.  While Isopropyl alcohol can safely be used on non-leather seats, it is not an ideal cleaning agent for those surfaces unless you have imitation leather.

If you are not sick, and haven't had anyone sick in your vehicle, don't get too worried about doing this repeatedly. However, starting with a truly clean slate in your vehicle will certainly give you some peace of mind.

A common recommendation from experts is that once your car's interior is cleaned and disinfected, it is important to wash your hands before getting in from now on. This will help keep your car a clean place, and reduce the chance of a virus making it into your vehicle. The steering wheel is one of the dirtiest places in your car due to constant touching, and having clean hands will go a long way to keeping it in good condition after being disinfected.

Car-Lotta advised you that if you believe you have had someone with COVID-19 in your auto, you should disinfect and call your doctor for next steps. It is believed  that the virus can survive in the air for up to three hours, and on surfaces for much longer, so it is best to be cautious if you believe your vehicle has been exposed.