Madison drivers sometimes ask us at Music City Autoplex, “Does liability insurance cover theft?” The short answer to that question is “no.” Liability insurance covers another driver’s and passengers’ injuries and property damages from an accident you (the insured) caused. It doesn’t cover auto theft. However, comprehensive insurance covers car theft around Nashville and beyond. Here, Music City Autoplex explains more about car theft insurance. Feel free to contact us with any questions.
So, does car insurance cover theft? Yes, but you have to have the right type of car insurance. If you have comprehensive coverage in Hendersonville, you should be protected for up to your vehicle’s Actual Cash Value (ACV). Plus, your car should also be covered in the event of damage from a break-in or vandalism. Broken door locks, windows, and your ignition system are typically covered under comprehensive auto insurance.
Unfortunately, stolen items, such as your wallet, tablet, briefcase, or smartphone, aren’t usually covered. You’ll need to submit an insurance claim to your homeowners or renters insurance carrier for those types of items. If your car was stolen in Clarksville with valuables inside, you should submit claims to your homeowners or renters insurance company and auto insurance provider.
Now that you don’t have to ask, “Does liability cover theft?” what should you do if your car is stolen?
To summarize the answer to the common question, “Does car insurance cover theft?” Yes, but not liability coverage; only comprehensive coverage covers theft. At Music City Autoplex we can help you make smart car insurance choices by sharing information about gap insurance coverage and refunds.
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