Does Liability Insurance Cover Theft?

Man and Woman Signing Contract
Does car insurance cover theft? 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.

More from Kareem Auto Sales Inc

  • How to Check Transmission Fluid

    The transmission fluid is what launches your car forward on the Elk Grove roads. Like all fluids, your transmission fluid will need to be changed over time to help keep your vehicle running properly. If you’re unsure how to check your transmission fluid, then don’t fret. Kareem Auto Sales Inc has you covered with this handy guide that shows…

  • How to Check Car Oil

    Your car’s oil is vital to keeping its engine parts running efficiently so that your car can drive smoothly on the Elk Grove roads. Knowing how to check car oil is essential to keeping your vehicle running at its best. Luckily, you don’t have to be an ace mechanic to determine when it’s time to bring…

  • Fantastic Fall Activities Near Sacramento, CA

    Fall is here, and we don’t know about you, but the Kareem Auto Sales Inc employees are determined to get outside and enjoy everything nature has to offer. That’s why we’ve made this list of things to do in Sacramento, to share our love of this Sacramento Valley with our local customers. This means seeing wildlife, this means…

Saved Vehicles


You don't have any saved vehicles!

Look for this link on your favorites:


Once you've saved some vehicles, you can view them here at any time.

Contact Us

(916) 473-1656

Call Now

2330 Fulton ave • Sacramento, CA 95825

Get Directions

Today's Hours:

Open Today! Sales: 10am-7:30pm

Kareem Auto Sales Inc 38.6079032, -121.400815.