Will Insurance Cover If My Car Is Broken Into?

  1. 0 POINTS
    Elvira Cooner
    If your insurance policy has comprehensive coverage, the damage to your vehicle due to a break in of the vehicle is covered in excess of the carrier deductible. If items are stolen from your vehicle that are not a part of the vehicle, there is no coverage, however, there are some carriers that have an endorsement that can be added to cover "personal effects".
    Answered on April 22, 2014
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  2. 21750 POINTS
    Jim Winkler
    CEO/Owner, Winkler Financial Group, Houston, Texas
    Great question! The damage should be covered, but if it costs less to fix it than your deductible is, you may be better off not filing a claim. For example, let's say the damage to repair your window is $200. Your deductible is $500. Your insurance is only going to pay anything over the $500 mark, so you will end up paying for the window regardless. It may not make sense to file a claim, pay for the window yourself, and then watch your rate go up. If you have renters insurance, and the car was in your apartment parking lot, there may be coverage there, depending upon the terms of your renters insurance. If you did not file a police report, I'd recommend that you do, it will help you if you ever need documentation of damage and help collect on your claim. If you need help, feel free to contact me. Thanks for asking!
    Answered on April 22, 2014
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  3. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Yes, there is coverage under the comprehensive portion of your auto policy.  In order to receive payment the amount lost must exceed the deductible and it must be the result of damage to the car.  After market items such as radar detectors are not always covered depending on how they are installed.  Personal property located in the car is covered by your homeowner’s policy, again subject to the deductible.  Professional equipment or business property is normally not covered.  If you are a part time photographer and advertise on the internet don’t turn in a claim for a room full of camera equipment stolen from your Honda Fit.  
    Answered on April 22, 2014
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