Generally, yes, car insurance will cover damage caused by eggs, but only if you have comprehensive coverage. This type of coverage is optional and protects your vehicle from non-collision events, which includes vandalism. Since egging is considered an act of vandalism, the repair costs—such as repainting panels to fix acid erosion from the egg yolk—would fall under a comprehensive claim. However, you are responsible for paying your deductible first.
It's crucial to understand that if you only carry the minimum liability insurance required by law, you have no coverage for this type of damage. Filing a claim also has implications. While a single comprehensive claim is less likely to raise your premium than an at-fault collision claim, multiple claims of any type can still affect your insurance rates. The immediate step you should take is to wash the egg off as soon as possible using copious amounts of water and a proper car wash solution. Egg residue, especially the yolk, can permanently etch and degrade your car's clear coat and paint if left to bake in the sun, leading to much more expensive repairs.
| Insurance Coverage Type | Covers Egg Damage? | Key Consideration | Typical Deductible Range |
|---|
| Comprehensive | Yes | Considered vandalism. | $100 - $1,000 |
| Collision | No | Only covers impact with another object/vehicle. | $250 - $1,000 |
| Liability (State Minimum) | No | Only covers damage you cause to others. | Not Applicable |
