Car Vandalism and Liability in Ontario
If you live in Ontario, knowing how car vandalism liability works is essential. While every driver must carry liability insurance, not all damages fall under the same coverage rules. For many, the shock comes when they learn vandalism may still leave them paying out-of-pocket costs.
A Driver’s Unexpected Ordeal
Scarborough resident Rana Mashud faced this issue firsthand. While waiting at a red light in May, a woman suddenly attacked his vehicle. Without warning, she made threatening gestures and began kicking his car.
The entire incident lasted only seconds, yet the damage was extensive. His bumper, sensors, front camera, and one headlight were all destroyed. Police arrested the woman, but Mashud still faced a $500 deductible before insurance would step in.
Why Deductibles Still Apply
Mashud found the situation deeply unfair. As he explained, “I did nothing wrong, but I’m still being held liable.” Unfortunately, under Ontario car vandalism liability, this outcome is standard. Because the damage came from a pedestrian, not another vehicle, insurance rules treated it as vandalism under comprehensive coverage.
That means Mashud must pay his deductible before his insurer helps with repairs. For many drivers, this feels like a double penalty: first, the stress of vandalism, then the cost of repairs.
What Insurance Companies Say
CTV News contacted Allstate Canada, Mashud’s provider, for clarification. The company responded that deductibles are standard across auto insurance policies and governed by provincial regulations.
“Allstate Canada understands that experiencing vehicle damage can be both upsetting and disruptive; we are committed to supporting our customers through the claims process,” the company stated.
They also explained that, where possible, they try to recover costs from the person responsible. If successful, the customer’s deductible may be reimbursed.
Options for Drivers Facing Similar Issues
According to the Insurance Bureau of Canada (IBC), drivers like Mashud still have options. Anne Marie Thomas from the IBC explained that while paying the deductible is standard, the driver can pursue reimbursement through small claims court.
“It is very standard in every auto insurance policy when you have physical damage, that there is a deductible,” Thomas said. “There is the potential of the driver taking the person to small claims court to recoup their deductible.”
The Larger Issue of Fairness
Mashud remains frustrated. To him, it makes little sense that an innocent driver can be left covering costs for deliberate vandalism. Many others share this view, raising questions about whether insurance rules strike the right balance between protecting companies and supporting customers.
Key Takeaway for Ontario Drivers
Drivers must understand their policies clearly, especially when it comes to deductibles. Comprehensive coverage protects against vandalism, but it does not eliminate costs entirely. Knowing your options in advance can reduce stress if vandalism occurs.
Stay tuned with Maple Wire Now for the next news update.
