As you run into the grocery store, your car is in the parking lot safely, but when you return, you find that your belongings have been stolen from your car and your vehicle has broken. One of the first questions you are asking yourself is, “Does auto insurance cover-up theft?”
Depending on the case and the type of car insurance, you have to decide whether insurance covers fraud or not. Theft and rehabilitation costs from break-in damage will typically be covered by comprehensive coverage. Liability insurance probably will not cover fraud since it typically protects against accident-related bodily injury and property harm.
To give you a better idea of what your car insurance will cover in the case of car theft, let us explore a few different scenarios.
Car Theft Scenarios for Auto Insurance
Scenario 1: Break-in Damages Your Car
You are in luck if you have comprehensive coverage. Moreover, comprehensive insurance will cover repair expenses for your vehicle, which may include:
- Broken locks on doors
- Windows Smashed
- Broken System of Ignition
Scenario 2: Your Car Has Been Stolen.
This scenario also relies on the kind of car insurance that you have. If you have comprehensive coverage, it will cover the value of your vehicle.
Scenario 3: From Your Car, the Belongings Have Been Stolen.
So, does car insurance cover items stolen? Unfortunately, they do not. Comprehensive auto insurance will provide coverage on components and features, which are permanent, pre-installed parts of the car. Your personal belongings left inside, such as an iPod or wallet, will not get coverage.
These items would probably get coverage by an insurance policy for homeowners or renters. Also, you will have to file two different claims if your car is missing other personal items inside, one through your auto insurance and one through your homeowner’s insurance.
Does Car Insurance Cover Vandalism?
Comprehensive car insurance will provide coverage in your vehicle’s unfortunate event if it is vandalized, as long as you follow the appropriate steps. Here are the actions that you must take immediately after the incident:
- Call the police to report the vandalism, because you will have to tell your car insurance company to file a police report.
- Take note of all the damage to your vehicle and take photos to record the destruction.
- To present a claim, contact your auto insurance company. The list of damages you have compiled, images of the damages, and a list of all missing items.
It will help keep your car safe and decrease your chances of theft or vandalism by taking the proper precautions. Get tips on how one can avoid these types of situations.