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Paragon Independent Insurance Agencies, Inc

6305 Preston Road #1000
Plano, TX 75024

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Does a business’s insurance pay the claim for customer cars vandalized in their parking lot?

Thanks to its low crime rate, the city of Plano, TX stands out as one of the safest cities not just in the state, but also in the nation. Nevertheless, vehicle vandalism can happen anywhere and at any time. Even in places you might think are safe and secure, your car could easily become subject to vandalism.

Vehicle vandalism commonly happens in parking lots and other areas where cars are often left unattended. Despite your vehicle being left on a business’s property, it’s not liable for any damages caused by vandals or thieves. Businesses have no legal liability for what happens to your vehicle on their property, unless the vehicle was left specifically in a business’s care, control or custody (during an auto repair, for instance). Most businesses have signs posted waiving their liability and such language is also present on parking lot tickets, as well.

In most cases, your only recourse for acts of vandalism to your vehicle is to file a report with the law enforcement agency in Plano and, if you have comprehensive insurance coverage, submit a claim to your insurance provider. In both cases, you should provide as much information as possible, as it may not only help police locate and capture the vandals involved, but it also makes it easier for your provider to quickly and accurately process your claim.

The time and expense involved in repairing vehicle vandalism out of pocket makes having comprehensive insurance worthwhile. Easily compare quotes online with our independent agency to discover your options and choose the car insurance coverage that works best for you.

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