

Vandalism would normally be covered by comprehensive coverage, and won’t affect your premiums; you’ll just have to pay a deductible. If you tried to do it yourself, you’d never get the paint to match quite right, so you’re better off taking it to an auto body shop to have it professionally repaired.
What if walking into the redwood forest is what causes your death? You would’ve lived if you stayed home and played video games instead of going into the forest and getting mauled by a bear