Does liability insurance cover theft? Unfortunately for Sacramento drivers, if this is your policy, it does not. Commonly confused with other types of insurance, liability insurance protects you from injuring another person or property damage caused by you and your vehicle. Comprehensive insurance does often cover auto theft.
Let’s say your car was stolen near San Diego. With a comprehensive car insurance policy, insurance will typically cover the current value of your vehicle (not the amount you originally paid). If a vehicle was broken into, but not stolen, or the vehicle was recovered with damage to the vehicle that will also be covered.
What’s tricky is any personal belongings that are not part of the vehicle like a wallet, cell phone, or purse are not going to be covered by your auto insurance. They will, however, typically be covered by your renters or homeowners insurance policy.
File a police report as soon as possible, ideally within 24 hours of the incident so that your insurance company can start to process your claim.
Police Report: What You Need
Insurance Claim: What You Need
To summarize: does liability car insurance cover theft? No, but a comprehensive insurance policy will and your renters/home insurance will cover any personal belongings stolen with the car or from your vehicle. Follow Mercedes-Benz of Sacramento near Sacramento for more tips on how to care for your car or our latest Mercedes-Benz vehicles.
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