Does Liability Insurance Cover Theft?

Does car insurance cover theft of a Land Rover? If you’re a Elk Grove driver, you might wonder about this from time to time. What about liability? Does liability cover theft? Technically, liability doesn’t cover theft as it only covers any damage done to another person or their property caused by you. Comprehensive insurance does deal with theft and other associated things. Learn how you can get protected with the finance team from Kareem Auto Sales Inc.

What is Car Theft Insurance?

If your car was stolen near Roseville or the surrounding area, comprehensive coverage, or car theft insurance, can protect you financially. With comprehensive coverage, you should be covered up to the Actual Cash Value (ACV) of your vehicle. If your car is damaged from being broken into, you’ll be covered for repair costs as well. Unfortunately, any stolen items from your car are not covered, since only the car itself is covered.

Does liability cover theft? Only if you have comprehensive coverage will your car be protected from theft. For any items stolen inside the car, you’ll need to submit a claim to your homeowners or renters insurance provider. Learn more about liability insurance costs with Kareem Auto Sales Inc.

Filing a Claim

If your car was stolen near Folsom or the surrounding area, file a police report within 24 hours of the incident. Additionally, you’ll need to submit a claim to your provider. For the police report and insurance claim, here is the information you’ll need to provide:

Police Report

• VIN and license plate number
• Vehicle year, make, and model
• Location and time of the theft
• Vehicle traits, such as bumper stickers, accessories, or any other features

Insurance Claim:

• Vehicle title
• Where the keys were in the vehicle
• Information of all parties with access to your vehicle
• Vehicle description, i.e. mileage, service records, upgrade, and options
• Personal items that may have been stolen with the car
• Financing or leasing company contact info and your account number

Learn More with Kareem Auto Sales Inc

So, does car insurance cover theft? Yes, but only if you have comprehensive coverage. Does liability insurance cover theft? Liability alone doesn’t protect you from theft. Discuss your options with your insurance provider, and feel free to contact us for more helpful tips for all of your car-related questions and concerns.