Talking With Insurance Companies

When the average person thinks about their auto insurance plan and coverage, they think about accidents and other collisions. However, an auto insurance policy can help you in different ways as well, even if you are the victim of a break in. Learn how an auto insurance policy can protect you in this instance and what you need to do to ensure you're protected. 

Just the Car

An auto insurance policy is designed to protect your car. The plan does not typically offer coverage for personal belongings. For example, assume someone broke into your car through your back window and stole your backpack that had your laptop inside.

In this instance, you could file a claim with your auto insurance company for the damage to the window. However, you would need to submit a claim with your homeowners or renter's insurance to cover the value of the laptop.

Coverage Matters

If you want to ensure you have options for a break in, make sure you have the right coverage. You will need to have a comprehensive plan for your policy. Comprehensive coverage is designed to offer protection for losses that occur outside of a car accident, but that include parts of the vehicle, such as the radio.

Additionally, in the event your entire car was stolen, you would need to have comprehensive coverage on your policy to file a claim for loss. You should also keep in mind that if you have any custom parts on your vehicle, you will need to add a custom equipment rider to your comprehensive plan. 

Police Reports Required

Even if you have comprehensive coverage, you will likely be required to obtain a police report if you plan to file a claim for theft with your auto insurance policy. A police report works much like an affidavit in that it certifies that the theft did, in fact, take place and the individual is not just making a false claim.

Second, it can help identify a third-party. While the insurance company will work to pay you for your loss, they may take legal action against the individual who committed the crime. As a result, some insurance companies will not process your claim until they receive the police report. 

Auto insurance is designed to be an all-inclusive service to help you keep your car protected. Speak with an agent who can help you learn more about your coverage options and ensure you have the coverage you need.