
I have a vehicle that has full coverage and while parked in a parking lot it was vandalized. The vandalism included a broken window, stolen stereo, and scratches to the car's paint. Additionally, there is a dent with paint cracking above the front license plate as if it was hit with a blunt object. Now my question is: if this dent was caused during the vandalism by a car backing into it to check for a security alarm, does that event fall under comp or collision? And if it falls under collision do I have to pay the deductible twice even though it happened in the same incident of vandalism?
This would depend largely on the police report provided by your local law enforcement as well as the nature of the policy you had purchased from your current agent.
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