Are You Covered From Vehicle Theft?

car theft

What to Do If Your Car Is Stolen

Even if you live in a very safe neighborhood, you can still walk out to find that your car has been stolen. Having your vehicle and all of your belongings that you kept in your car stolen can be a very stressful situation. Knowing how much insurance protection you have can help to make sure that you have the coverage that you need in case you ever have to deal with this situation.

The only way to make sure that you are covered in case of vehicle theft is if you have comprehensive coverage. Comprehensive coverage is an optional coverage option, and if you skipped out on the coverage to help save on your monthly premiums, you may be left paying for a new car on your own. The coverage will help to pay for any mechanical parts that were damaged or stolen, as well as provide the finances needed to replace your vehicle.

Typical comprehensive coverage comes with a $1,000 deductible that you will have to pay before your insurance company will kick in. If your car is not worth $1,000, or the damage that was done to your vehicle adds up to be less than $1,000, you may not want to make a claim, since your auto insurance company will not provide any coverage.

There are many steps that you can take to help reduce the chance that you will have to deal with a stolen vehicle, including:

  • Never leave the keys in the ignition while your car is parked, even if it is in your own driveway.
  • If possible, always park your car in your garage. If you are not able to park in your garage, always look for a well-lit area to park.
  • Take all of your valuables out of your car when you park it.

For all of your auto insurance needs to ensure that you are protected in case of vehicle theft, contact Martplan Insurance Agency in La Habra, California.