What Type of Insurance Covers Auto Theft? 

Comprehensive coverage typically applies to auto theft. Drivers who want coverage for incidents that do not involve collisions often select it. Theft, along with vandalism, fire, falling objects and certain weather-related events, falls into this category.

If your vehicle is stolen, comprehensive coverage may apply to the loss of the vehicle and, in some cases, damage caused during the theft. For example, if the car is recovered but has broken windows or a damaged ignition, those repairs may be included under the same coverage.

Reviewing your coverage limits and deductible amounts can help you understand how your policy responds in these situations.

Does it Cover Stolen Personal Items?

Personal items stolen from inside the vehicle are not typically covered under auto insurance. These items may fall under a homeowners or renters policy, depending on the circumstances and the type of coverage you carry.

Is it Required?

Comprehensive coverage is not required by law, but lenders or leasing companies may require it. If you own your vehicle outright, you can choose whether to include it in your policy.

Learn More

Contact Xpress Insurance to review your current policy and discuss whether comprehensive coverage is right for your situation.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.