To get car theft covered, you’ll need comprehensive coverage.
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The movie “Dude, Where’s My Car?” might be a comedy, but auto theft is no joke. Surprisingly, the minimum auto insurance in each state doesn’t cover auto theft. Rather, auto theft is only covered if you have supplemental comprehensive coverage. In this article, we’ll help you find out if your car insurance covers theft, and what to do if your car is stolen.
Not all car insurance covers auto burglary/theft.
Does car insurance cover theft? Yes, if you have comprehensive coverage. However, the minimum coverage for every state in the U.S. doesn’t require this type of coverage, which also covers incidents like fires, floods, and falling rocks.
To get these events covered, you’ll need to sign up for comprehensive coverage. Comprehensive coverage also includes:
However, comprehensive coverage does not cover:
To get vehicle upgrades covered, you’ll need custom parts and equipment coverage.
To get reimbursed for a stolen car or car parts, you’ll need to file a claim with your insurance provider. This is what happens once you file the claim, assuming you have comprehensive coverage:
Usually, auto theft claims take 14 to 30 days to be processed.
Like auto theft, car insurance only covers vandalism if you have comprehensive coverage. Learn more about vandalism coverage.
If you have comprehensive coverage and your vehicle is stolen, then you’ll get reimbursed for the current cost of the vehicle, whether it’s a leased vehicle or a vehicle purchased with an auto loan. However, the value of a car depreciates as soon as you drive away from the dealership, so you may receive less than you paid for the car originally. That’s where gap insurance comes in.
Gap insurance will reimburse you for the difference between what you paid for your car originally and your insurance settlement. Your insurance settlement will pay your car’s actual cash value (ACV), meaning its current worth. Gap insurance ensures that you won’t lose money, even if your car is stolen.
Let’s talk more about ACV, actual cash value. ACV is what your car is worth today, taking depreciation into account. In other words, if you sold your car today, the amount you’d get for it is your ACV.
Now, if you get your stolen car back and the damages are worth more than a certain percentage of the ACV, your insurance company will declare it a “total loss,” so you’ll be reimbursed for the entire ACV (minus your comprehensive insurance deductible). This threshold differs by state and insurer, so ask your insurance agent about the threshold for totaling a car.
Many people wonder how insurance companies value cars and determine the ACV. How can you know that you’re getting reimbursed fairly for your ACV? Here’s how to determine your car’s worth:
Consult the National Automobile Dealers Association’s NADAguides.
Even if you have comprehensive coverage, you’ll still have to pay a deductible before your insurance kicks in up to your coverage limit. To avoid paying a dollar above your premiums, your best bet is to prevent car theft in the first place. Here are our tips for preventing car theft:
Even the most stringent licensed driver could still fall victim to auto theft. Take these steps if your car is stolen:
|Insurance provider||Email address||Phone number||Postal address||Where to submit claims online|
|21st Centuryfirstname.lastname@example.org||888-244-6163||P.O. Box 268994 Oklahoma City, OK 73126-8994
Medical/PIP documents involving FL, NJ, NY: P.O. Box 268995
Medical/PIP documents involving all other states: P.O. Box 268993
|AAA||None||Enter ZIP code to find claims number: www.aaa.com/stop/||The Auto Club Group Claim Department P.O. Box 9001 Royal Oak, MI 48068-9826||www.aaa.com/stop/|
|AARP||None||800-243-6860||The Hartford P.O. Box 14219 Lexington, KY 40512||https://www.thehartford.com/aarp/car-insurance/how-to-file-claim|
|Allstate||None||800-255-7828||Allstate Insurance Company P.O. Box 660636 Dallas, TX 75266||www.allstate.com/auto-insurance/auto-claims-info.aspx|
|Amica||None||800-242-6422||Amica Scan Center P.O. Box 9690 Providence, RI 02940-9690||www.amica.com/en/customer-service/contact-us.html|
|Autopomemail@example.com||800-654-8455||Autopom Office 22651 Lambert St., Suite 102 Lake Forest, CA 92630||www.extended-vehicle-warranty.com/mercury-insurance-claim/|
|Bristol West||None||800-274-7865||Bristol West Claims Service P.O. Box 258806 Oklahoma City, OK 73125-8806||www.bristolwest.com/home/claims|
|Carchex||None||877-227-2439||Carchex 118 Shawan Road, Suite 210 Baltimore, MD 21030||www.carchex.com/auto-warranty/how-to-file-a-claim/|
|Carshield||ClaimsDocs@americanautoshield.com||800-531-1925||1597 Cole Blvd., Suite 200 Lakewood, CO 80401-3418||americanautoshield.com/report-a-claim/|
New Hampshire: 800-888-6050 Vermont: 800-660-3838
|Concord Corporate Office 4 Bouton St. Concord, NH 03301||www.concordgroupinsurance.com/claims/report-a-claim|
|Direct||None||800-403-1077||Direct Auto Insurance Claims Department P.O. Box 1623 Winston Salem, NC 27102||www.directauto.com/claims/make-a-claim|
|Endurance||None||877-414-0134||Endurance Corporate Headquarters 400 Skokie Blvd., Suite 105 Northbrook, IL 60062||www.endurancewarranty.com/learning-center/company-resources/best-practices-for-filing-a-claim-with-endurance-warranty/|
|Erie||None||800-367-3743||Erie Branch Claims Office P.O. Box 13002 Erie, PA 16514-3002||www.erieinsurance.com/support-center/claims/auto|
|Esurance||None||800-378-7262||Esurance Customer Service P.O. Box 5250 Sioux Falls, SD 57117-5258||www.esurance.com/file-a-claim-online|
|Farmers||None||800-435-7764||Farmers Customer Service 6301 Owensmouth Ave. Woodland Hills, CA 91367||www.farmers.com/cmp/s/filealoss?SO=01|
|GAINSCO||None||866-424-6726||GAINSCO Inc. P.O. Box 199023 Dallas, Texas 75219-9023||www.gainsco.com/customers/report-a-claim/|
|Good2Go||Claims@good2go.com||800-727-6664||Good2Go Auto Insurance P.O. Box 1930 Blue Bell, PA 19422-0479||mypolicy.good2go.com/account/login#</td>|
|Infinityfirstname.lastname@example.org||800-334-1661||Infinity Insurance 200 E. Randolph St., Suite 3300 Chicago, IL 60601||www.kemper.com/claims/report-a-claim|
For California customers:
800-508-5833 (formerly Alliance United)
800-234-3606 (formerly Kemper Specialty California)
|Kemper Claims P.O. Box 2855 Clinton, IA 52733||www.kemper.com/claims/report-a-claim/report-a-claim-auto|
|Lemonadeemail@example.com||844-733-8666 (for claim emergencies)||None||www.lemonade.com/car|
|Liberty Mutual||None||800-225-2467||Liberty Life Assurance Company of Boston 100 Liberty Way Dover, NH 03820||fileaclaim.libertymutual.com/|
|Mercury||None||800-503-3724||Mercury Insurance 1700 Greenbriar Lane Brea, CA 02921||www.mercuryinsurance.com/claims/auto-claim.html|
|MetLife — Farmers Auto Insurance||None||800-435-7764||Farmers Insurance Customer Service 6301 Owensmouth Ave. Woodland Hills, CA 91367||www.farmers.com/cmp/s/filealoss?SO=01|
|Plymouth Rock||None||844-346-1225||Plymouth Rock Assurance P.O. Box 55165 Boston, MA 02205||efnol.plymouthrock.com/#/login|
|Protect My Car||None||844-256-4762||None||blog.protectmycar.com/claim-protect-my-car|
|Root||None||New claims: 866-980-9431
Existing claims: 866-489-1985
|Root Insurance Claims Department 80 E. Rich St., Suite 500 Columbus, OH 43215||www.joinroot.com/claims/|
|Tocofirstname.lastname@example.org||855-298-8626||Toco Warranty 8501 Fallbrook Ave., Suite 225 West Hills, CA 91304||www.tocowarranty.com/file-a-claim|
|USAA||None||Shortcut mobile number: #8722/210-531-8722 or/800-531-8722||USAA 9800 Fredericksburg Road San Antonio, TX 78288||www.usaa.com/inet/wc/auto-insurance-claims|
Congratulations, your car is yours again! Here’s what to do if you find your stolen car:
Many auto insurance providers offer auto insurance discounts for anti-theft devices. To lower the cost of your car insurance with anti-theft devices, look at the following providers:
No one ever wants to deal with auto theft and burglary, but if you have comprehensive coverage, you won’t have to pay out of pocket for repairs or replacements, excluding your deductible. That’s why it’s best to get more than the minimum coverage your state requires, because, shockingly, no state thinks comprehensive coverage is essential.
Learn even more about auto theft coverage below; we’ve answered the questions you asked the most often.
Comprehensive auto insurance coverage covers theft. Theft is not covered by property damage coverage, collision coverage, or bodily injury coverage.
What auto theft insurance includes depends on your state’s minimum coverage requirements and the supplemental coverage you’ve added on, but in general, full-coverage auto insurance includes these coverages:
Yes, full-coverage auto insurance includes theft under comprehensive coverage. However, it only includes theft of the original car or car parts, not any add-ons, modifications, customizations, or personal belongings stolen from your car.
GEICO only covers items stolen from cars as part of its homeowners/renters insurance policies under its personal property and off-premises coverages.
Does car insurance cover theft and vandalism?. Nationwide. (2022).
VEHICLE SECURITY AND RELATED TIPS. sandiego.gov. (2017, Sept 29).
Does Car Insurance Cover Theft? Allstate. (2019, Nov).
Vehicle Theft Prevention. United States Department of Transportation.
Does car insurance cover theft?. Progressive. (2021).