No one wants or expects to experience car theft, but it is important to be prepared and understand  if their insurance covers theft. The answer to the question of whether or not your car insurance covers theft is dependent on the policy type you have and the terms and conditions within that policy.  

Your car insurance may cover theft of the car. However, if there is personal property in the car that is stolen that is not covered under your auto insurance policy, it may be covered by  your homeowners or renters insurance.  

Liability insurance is the most basic auto insurance policy that an insurance company can offer. Liability coverage includes bodily injury liability and property damage liability. Liability insurance is also legally required in the state of Indiana. 

Bodily injury liability can help pay for medical expenses and related to damages, within the policy limits, if an insured causes an accident which injures another person. Property damage liability can help pay within your policy’s limits, for property damage to other vehicles that arises from the use of your car, if it carries this coverage. But, liability coverage does not cover theft of your own vehicle.  

If you want to purchase a policy that covers theft of your vehicle, you will need to purchase comprehensive coverage. Comprehensive coverage can be bundled with other types of coverage, like collision. But if you purchase comprehensive coverage, know that it can provide coverage if your car is stolen or is damaged after being broken into.  

Report an auto insurance claim  

Filing an auto insurance claim is easy. Before you file your auto claim you’ll want to make sure you have this information readily available that will be helpful during the claims process:  

Report a Claim   

After you file a claim, a claims representative will reach out to you to obtain additional information. They may also investigate to learn more about what occurred and obtain the needed details that pertain to the accident.  

FAQs  

Here are a few frequently asked questions (FAQs) regarding comprehensive coverage. If you have more questions, visit the FAQ page or contact an insurance agent today.    

Does comprehensive coverage cover hitting a deer?  

Indiana is well known for its deer population. You can be driving along when suddenly, a deer runs out in front of you. If you were to hit a deer (or another animal) and damage your car, you can file a claim. That damage may be covered by the comprehensive coverage you purchased for your covered auto.  

If you do hit a deer or another animal while driving and would like to submit a claim, make sure to take photos of the damage to help show proof of what happened.  

Does comprehensive coverage cover someone stealing my car?  

If one day you wake up and go outside to leave for work and realize your car has been stolen, chances are you will want to submit a claim to cover that loss. The good news is that comprehensive coverage can cover someone stealing your car. Theft of a vehicle falls under the category of what is covered under that specific policy coverage.  

Does comprehensive coverage cover hail?  

Indiana has a tumultuous storm season. When hail the size of golf balls falls from the sky on your brand-new automobile, chances are that you will also have tears the size of golf balls falling from your eyes simultaneously because of the panic you are feeling.  

Luckily for you, most comprehensive policies do cover damage from hail. The best way to know for sure is by talking with your agent to find out if you need to purchase additional coverage to cover hail damage.  

How to prevent car theft 

During the pandemic, Dusty Wilhite, agency owner in Gibson County, talked about the top five tips to prevent theft during quarantine. Although the days of quarantining are over, the tips are still valuable to follow on a normal basis.  

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