Does My Car Insurance Cover Things Stolen From My Car?

​Theft is a devastating experience as it makes the victims feel extra anxious and worried, especially when they have things stolen from inside their vehicle. However, car insurance doesn't usually cover your personal belongings under comprehensive coverage as they only cover the car itself and what was attached to it.

Generally, auto insurance only covers the damage made by thieves in your car, but it won't cover what was stolen unless it's part of your vehicle. However, some insurance policies can still cover them.

Commercial Business Insurance
If you are covered with commercial business insurance, and the stolen things are used for business purposes, your insurance providers might cover them. You pay for the coverage to secure your belongings, so don't hesitate to file a claim if you fall under this circumstance. In addition, don't forget to ask your car insurance for the damages to your vehicle. 

Homeowner’s Insurance Policy
Filing a claim so your commercial business policy could cover your stolen belongings could be a hassle and time-consuming. They must check your business's inventory, model, and serial number. So, if they are not tools for your business, you will only waste your time.

However, a homeowner's insurance policy can cover theft as your vehicle is considered your private space. This kind of insurance plan usually covers stolen things inside your home or car. 

What Does Your Auto Insurance Cover?
Comprehensive coverage covers certain situations that do not deal with car accidents or collisions, including theft. But it should cover the stolen vehicle, stolen vehicle parts, and damaged cars caused by theft. So, if you are in a situation under these three circumstances, you can file a claim to your auto insurance.

Additionally, whether the insurance policymakers will cover you or not, never forget to file a police report and tell every detail that could help them. Do not move your car unless there is an officer present already. Take note of the list of the items below when filing a case:

• Model of the vehicle
• List of the stolen belongings
• auto insurance policy number
• vehicle registration number
• driver's license
• photos of your vehicle's current situation (the damages, if any)

Conclusion
Theft happens in every city. Getting insured not only in auto insurance but also in homeowner's or business policy can help you reduce expenses. Remember to file a case report when something happens, like theft or damaged vehicles. 

At Jacobs Insurance Solutions, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (817) 485-8989. You can also request a free quote by CLICKING HERE. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.