When a person thinks about car theft, there are a few scenarios to imagine, such as personal property items stolen out of your vehicle, car parts stolen from your vehicle, or your car being physically stolen and never recovered.
So, the question is, are you covered if you experience any of these theft scenarios? The answer varies based on what type of auto insurance coverage you purchased.
Comprehensive coverage on your auto insurance policy typically provides coverage if your car was stolen (and was never recovered) or if you had car parts stolen out of your vehicle. If you do not have this coverage on your auto insurance policy, your insurance carrier cannot offer you any assistance.
Common Car Parts Targeted in Vehicles Recently
The past few years, thieves have been targeting catalytic converters in vehicles. This car part not only has precious metals that make it valuable to re-sell, but catalytic converters can be easy to steal due to their location in a vehicle. Also, some vehicles tend to be easier to target for this part than others, along with some being more valuable parts than others. A good tip here would be to park your car in a well-lit area.
If you had your catalytic converter stolen from your vehicle and you had comprehensive coverage on your auto insurance policy, you should be covered by your insurance policy.
My Car Was Stolen But It Has Been Recovered Vandalized
Vandalism is included with comprehensive coverage and should pay for the damages up to your policy limits, less your deductible.
I had personal valuables stolen out of my vehicle — am I covered?
Your auto insurance policy does not offer coverage for stolen personal property items that were taken from inside your car. However, you could file a claim under your home or renters insurance policy.
Thinking of investing in a car alarm system? Talk to your insurance agent to see if you qualify for a discount. A car alarm can add a layer of protection, and you could be rewarded with an insurance discount too.
How to Prevent Car Break-ins
There is really only one way to prevent personal property theft out of your vehicle, never leave anything in your vehicle!
Sometimes this is easier said than done.
If you do have to store valuables inside your vehicle, be sure they are out of sight. Investing in a car alarm can also add a layer of protection. It’s also important to know the area where you are parking your vehicle. If it is known for break-ins, always plan on bringing your valuables along with you.
Looking to Add Comprehensive Coverage to Your Current Auto Insurance Policy?
Call our agency for a free quote. We can review your current auto insurance coverage or provide you with a new quote that includes comprehensive coverage. We’ll quote our carriers and help you compare policies for your needs.