Does Car Insurance Cover Theft?

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What Is Car Theft Insurance

Does Car Insurance Cover Theft? Not sure if car insurance covers theft? Most comprehensive car insurance policies can help. In fact, auto theft and damage from break-ins are considered covered perils for this coverage.
 
To find the comprehensive coverage that’s right for you, get a car insurance quote from us today. You can also call our representatives at 888-413-8970.
 

Does Car Theft Insurance Cover Vandalism?

Generally, comprehensive car insurance helps cover:
 
  • Vandalism
  • Theft
  • Personal property
If you live in an area with high rates of crime, this coverage is especially important. Without it, you’ll have to pay out-of-pocket for damages like vandalism.
 

Does Rental Car Insurance Cover Car Theft?

Does Rental Car insurance Cover Car Theft? When you rent a car, you’ll need to make sure you have insurance protection for the vehicle. You can get the right rental car protection from:
 
  • Your current auto coverages if they extend to rental vehicles
  • The company that you’re borrowing the car from
  • Your credit card company, if they offer rental auto coverages as benefits
Getting the right rental car insurance coverage is easy with us. To learn more, get a quote today or speak with our representatives at 888-413-8970.
 

Does Car Insurance Cover Theft of Personal Items?

Does Car Insurance Cover Theft of Personal Items? Wondering if car insurance can help cover theft, plus your personal items? That depends, because comprehensive insurance isn’t the same from every company. Some policies help cover auto theft and personal property that are in your vehicle when it’s stolen, but not all insurance providers will help pay for stolen items.
 

Get a Quote From The Hartford

We can help you find the best car theft coverage with a comprehensive insurance policy for you and your family. We can also provide you with extra coverages to help keep you and your assets safe in the event of:
 
  • An accident
  • Theft
  • Natural disasters
To save on your insurance costs, you can find great deals with the AARP® Auto Insurance Program from The Hartford.1 For instance, getting a home and auto insurance bundle can help you save on both coverages.
 
To learn more, get a quote today or speak with our representatives at 888-413-8970. You can also file a car insurance claim at 800-243-5860.
 

Frequently Asked Questions About Car Theft Insurance

What Does Rental Car Insurance Cover and Not Cover?

Typically, rental car insurance can help give you liability coverage for the vehicle you borrow. This helps pay for injuries or damages you cause while driving. Your rental car company may also offer you a collision and loss damage waiver. This helps pay repair costs to the vehicle you rent after an accident.
 
On top of these coverages, rental insurance companies also offer personal effects coverage to help pay for your belongings if they’re stolen from your rented car. Keep in mind that some homeowners insurance policies can help cover items stolen while you’re away from your property. So, it’s a good idea to check your coverages before buying this insurance.
 
One last policy your rental car insurance company will likely offer is personal accident insurance. This helps pay for you or your passenger’s medical bills if you’re injured in an accident.
 

Does Insurance Cover a Stolen Car?

Comprehensive car insurance can help pay to replace a stolen car. It can also help pay for damages caused by a break-in.  
 

What Do You Do When Someone Steals Your Car?

If someone steals your car, you’ll need to file a police report right away. Once you do that, you should file a claim with your insurance company. In some cases, you’ll also want to contact your finance or leasing company.  
 
You can also use your car’s vehicle identification number to look it up on the National Insurance Crime Bureau’s stolen car database, known as (NICB) VINCheck.
 

How Do Insurance Companies Investigate Stolen Cars?

Before your insurer will pay for a stolen car, they’ll need to investigate it. This means they’ll need to know the time, date and location of the theft.
 
To learn more about what rental car insurance and auto policies cover, get a quote from us online today or call us at 888-413-8970.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

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