Will my full coverage insurance cover a Twix candy bar being put into my gas tank?

The dealership stated that someone vandalized my vehicle by putting a candy bar in my gas tank.

Answer
As strange as that situation is, luckily, you may be covered! The keyword to your coverage is the word vandalized.
No matter the choice of weapon, vandalism is covered by comprehensive coverage.
The first step in the claims process is to file a report with the police department. Once that is done, contact your car insurance company right away. The claims agent will ask you a few questions, such as:
  • Did you file a police report?
  • Where was the car parked?
  • What date did this happen?
  • Best guess of the time of the occurrence.
  • What is the nature of damage?
Once the claim is filed, your claim agent will issue a check for the amount of the damages minus the deductible.
Sadly, this sweet treat can do some sour damage to your car if the gas didn’t dissolve it enough. Depending on the value of the vehicle, there is a chance it could be considered totaled.
Vandalism claims are considered not-at-fault, so this shouldn’t impact the rate of your insurance policy.
It is important to have a good relationship with your insurance company during a stressful time like this. If you are unhappy with the way your claim is handled, keep it in mind for your next renewal. It may be time to shop for a new insurance company.
If you are looking for better service and a cheaper rate, Jerry can help! Jerry shops prices with over 50 different insurance companies and delivers the lowest rates straight to your phone in minutes. If you have any questions, you can text an agent and they will text you right back with assistance!
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Shannon Martin
Answered on Aug 11, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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