6 Responses for "Does car insurance typically cover theft?"

1. taylor swift February 4th, 2010 at 4:58 am 1

   Best Answer – Chosen by Voters You need comprehensive to have theft covered.You might be able to claim losses on your homeowners or renters ins.

2. taylor swift February 4th, 2010 at 4:58 am 2

   Under your car insurance policy, if you pay for comprehensive coverage, you will have coverage for theft of the vehicle itself and theft of any attached components to the vehicle (for example, the stereo). If you have any aftermarket parts or equipment on your vehicle, some insurance companies would require that you notify them that you had the equipment prior to the theft or they won't cover it.You can put in a claim and your rates should not go up. If you had numerous comprehensive claims in a short period of time that could indirectly affect your insurance rates, but you won't be given a specific surcharge for a single comprehensive claim since it is not your fault.You are subject to your deductible. For instance, if you have a $500 deductible on your comprehensive coverage and somebody breaks in and steals your stereo, the insurance company will only pay out damages in excess of $500. If you had a $300 stereo, they won't pay anything because it's under $500. If you had a $1,000 stereo, the insurance company would pay you $500. You have to pay your deductible and the insurance will pay everything above that.If anything was stolen that's not attached to the car (like a book of CD's, some clothes, etc) none of that would be covered by your car insurance because you could have taken those things out of your car. Those types of items would usually be covered under your renter's insurance or homeowner's insurance if you have any, but you'd also be subject to a deductible on that policy.My truck was broken into and a dufflebag full of clothes was stolen. My insurance company paid to repair my windshield at no cost to me because I have full glass coverage. I wasn't paid to replace the dufflebag and it's contents because that stuff totalled about $200 and my renter's insurance deductible was $500. Source(s): I'm a licensed insurance agent in the state of Arizona.

3. taylor swift February 4th, 2010 at 4:58 am 3

   Filing auto accident insurance claims is quite tedious. But to get your compensation for the accident, it is a necessary procedure – so you might as well go about it in the fool-proof manner described here.Uncertainty finds an innate part in human life. Being human being, we are never aware of crisis caused by occurrence like accident<!–What we can do is to make ourself be prepared to face the worse in the way that it has minimum effect upon us.Accident Insurance is one such way helping us to act as comforting hand when we suffer from misfortunate happening of accident.Whether you are travelling a long way or just to your next market place, the probability to meet up with an accident remains same. Besides, car accident, air crashes and rail accidents have become news of everyday. You may get your answer in the below website.http://bestcarinsurance.awardspace.com/And, if you ever fall prey to such accident, having an insurance helps you alleviating the financial burden during such tragic moments. People who are still unaware of what Accident Insurance is, they can understand in simple term that by availing the insurance facility, you are paid a certain amount of money by insurance company as compensation–>Generally,the insurance covers mishaps like organ loss like hands, eyes and legs, death in air, rail and car accident. The principal sum paid to a family ranges from $25,000 to $1,00,000. But you are excluded from being paid the amount if accidents persists due to drunken driving and trying risky sports like bungee jumping, car racing, skiing, scuba diving, etc.

4. taylor swift February 4th, 2010 at 4:58 am 4

   One of the lowest premiums is third party, fire and theft. I have never heard of an insurance which excludes theft. Source(s): Experience

5. Vanessa Hudgens February 4th, 2010 at 4:58 am 5

   Read your policy. In the supplemental section, does it mention "Fire, theft and collision"? If so you are covered.

6. selena gomez February 4th, 2010 at 4:58 am 6

   Look aroud Here,You should find some useful tips for your question.Good Luck.http://car-insurance.easyideas4u.info/car-insurance-quote-online.html