Does car insurance cover theft?

Auto insurance and theft

Your vehicle is parked securely in the parking lot as you run into the market – but when you return and find out that someone broke your car and stole your possessions inside. One of the first things you do is ask yourself, “Does comprehensive insurance cover theft?”

This question is not as cut and dry as one may think – the answer changes determined on the circumstance and the type of car insurance you have. Let’s explore different scenarios to give you a better idea of what your auto insurance will cover in the event of car theft.

Scenario 1: Someone damaged your car and forced entry

If you have comprehensive coverage, you’re fortuity. Comprehensive insurance will usually cover repair costs for your vehicle, which may include:

Broken door locks
Smashed windows
Broken ignition system

Scenario 2: Someone stole your car

This circumstance also depends on the type of auto insurance you have. If you have comprehensive coverage, your vehicle’s value will be covered.

Scenario 3: Someone stole items from your vehicle

So, does comprehensive insurance cover stolen items? Unluckily, it does not. Comprehensive auto insurance will only protect the elements and components that are permanent, pre-installed parts of the car. It will not cover your personal belongings left inside, such as an iPod or wallet. Though, homeowners or renters insurance policy will probably cover these items. If someone stole your vehicle with personal items inside, you would need to file two different claims – one through your car insurance and one through your homeowner’s insurance.

Does auto insurance cover vandalism?

As long as you track the right steps, comprehensive insurance will provide coverage in the unfortunate event that someone vandalizes your vehicle. Here are some acts you should take at once after the incident takes place:

  • Call the police to describe the vandalism, as your auto insurance company will require you to file a police report.
  • Make a note of all injuries to your vehicle and take pictures to document the damages.
  • Contact your car insurance company to submit a claim. You will need to have the list of damages you compiled, pictures of the injuries, and a list of any items that people stole from you.
  • Taking the correct cautions will assist to keep your vehicle safe and lower your probability of theft or vandalism.