Do I have insurance if my car is stolen

Whether your concern is about what happens if my car is stolen or what happens if the stuff in my car gets stolen this article will help explain.

Does my insurance cover if my car is stolen

Theft is a big issue especially in today’s day in age. Constantly we are hearing more stories of cars being stolen or people breaking into homes.

So one concern you might have is what happens if my car is stolen. Will my insurance cover that?

Like most things with insurance, it depends. It depends on what coverage you have on that car. Do you carry Comprehensive Coverage?

Comprehensive coverage or otherwise known as other than collision is the coverage that pays for theft of a vehicle.

One important thing to note: it does not matter if you leave the car doors unlocked and/or the keys in the car. Carelessness is not excluded in the policy and the insurance company would still pay.

How long will a claim take

Theft claims might take a little while longer than other claims as the insurance company does give a small amount of time to see if the car can be recovered.

It is important to make sure you have rental reimbursement coverage or access to another vehicle that you can drive in case this situation happens to you. It will allow you to get another vehicle to drive around as they work with law enforcement to process a claim.

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Will my auto insurance cover stolen items in my car?

This answer is no, your personal items that you leave in your car are not covered under an auto policy.

Your primary homeowners, renters, or business owners policy will cover these items but will be subject to that deductible.

One of the most frequent items stolen from cars is tools. If you are a contractor make sure you have the necessary tool coverage to help protect you.

What’s Next?

Going through this situation will not be fun. Whether you or someone you know has gone through it in the past, you know it is a pain.

Not having the right insurance protection makes this even worse.

Pull out your insurance policies and make sure you have comprehensive coverage on each vehicle. Even older vehicles should at least carry Comp coverage. The cost is minor compared to adding both comprehensive and collision.

Reach out to your insurance agent to have this conversation, if you don’t have a relationship with an agent or want a review of your insurance then click the button below to schedule a review with one of our trusted insurance advisors.



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