Call your insurance agent. If the repair cost is less than your deductible (usually $500 or $1,000), don’t file a claim. A tiny claim can blip your rates up. But if the damage is $2,000? Yeah, let them handle it. Just be ready to explain it was vandalism, not an accident.
And listen—this is not your fault. You didn’t key your own car (unless you did, in which case, we need to talk about your anger management). Someone else did a crummy thing, and you’re just cleaning up their mess. You’re the adult in the room.
