Does car insurance cover theft and vandalism?
When it comes to car insurance, the term “full coverage” is often thrown around, but what exactly does it cover? Today, we’ll break down the components of car theft insurance, helping you understand what you’re getting when you opt for this comprehensive option.
Damage from a Break-In
Imagine returning to your parked car to find it has been vandalized or broken into. If you have comprehensive coverage, you’re in luck. Comprehensive insurance typically covers repair costs for your vehicle, including:
Broken Door Locks: If the perpetrators tampered with your door locks, rendering them useless, your comprehensive coverage steps in to cover the repairs.
Smashed Windows: Broken windows are not only an inconvenience but also a safety hazard. Full coverage insurance will take care of replacing or repairing them.
Broken Ignition System: In the unfortunate event that your car’s ignition system is damaged during a break-in, comprehensive coverage has your back, ensuring it’s fixed promptly.
Car Theft
Car theft can be a devastating experience, but whether you’re covered or not depends on your insurance type. If you have Full Coverage Auto Insurance, the value of your stolen vehicle will be covered, offering you some relief during a stressful time.
Theft of Personal Items
Now, let’s address the common question: does car insurance cover stolen personal items? Unfortunately, it does not. Comprehensive auto insurance only covers permanent, pre-installed parts of the car. Your personal belongings, such as your iPod or wallet, are not included. However, these items are likely covered by a homeowners or renters insurance policy. If your car is stolen with personal items inside, you’ll need to file two separate claims — one through your auto insurance and another through your homeowner’s insurance.
Vandalism Coverage
Does car insurance cover vandalism? Yes, it does, as long as you follow the necessary steps. If your vehicle is vandalized, comprehensive car insurance provides coverage. Here’s what you should do:
Report to the Police: Start by calling the police to report the vandalism. Your car insurance company will require a police report to process your claim.
Document the Damage: Take note of all the damages to your car and capture photos to document the extent of the destruction.
Contact Your Insurance Company: Get in touch with your auto insurance provider to submit a claim. Be prepared to provide a list of damages, along with pictures, and a list of any stolen items if applicable.
Full coverage car insurance offers comprehensive protection, including coverage for damages from break-ins, theft of your vehicle, and vandalism. While it may not cover stolen personal items, combining it with homeowners or renters insurance can provide the complete protection you need for all your valuable assets. Stay informed and ensure you have the right coverage to safeguard your vehicle and peace of mind.
Secure Your Peace of Mind with Cribb Insurance Group Inc
In Bentonville, AR, when it comes to full coverage car insurance, you can rely on the best Arkansas Bentonville insurance agency company. to guide you through the process and ensure you have the protection you need.
Call Us: (479) 286- 1066
Email Us: service@cribbinsurance.com
Website: cribbinsurance.com
