Does Liability Insurance Cover Theft?

Man Signing Contract at Car Dealership

Does liability cover theft? Plainly put? No, liability insurance covers another party’s bodily injury and or damages as the result of an accident that you have caused. It doesn’t typically cover car theft. If you want insurance that covers car theft, then you need comprehensive insurance. Our team at Suntrup Nissan will help you learn more about car theft insurance, and learn the in-depth answer to “does liability insurance cover theft?”

Car Theft Insurance: When Am I Entitled to Coverage?

If your car is stolen in Oakville or Mehlville, and you only have liability insurance, then you will not be covered. However, if you have comprehensive coverage, you will be covered for the Actual Cash Value (ACV) of your vehicle. Similarly, if your car is damaged as the result of a break-in, you’ll also be covered. Broken glass, door locks, ignition system, etc. will be covered under comprehensive insurance.

However, any stolen items, such as a wallet, briefcase, or smartphone, aren’t covered, and you’ll need to submit a claim to your homeowners or renters insurance company. If your car was stolen with items inside, you’ll need to submit claims to both your homeowners or renters and auto insurance companies.

Filing a Police Report & Insurance Claim

If your car has been stolen, then it’s essential for you to file a police report within 24 hours of the theft. Depending on your state of residence, you will need to provide proof of insurance, registration, and driver’s license. Here are some more items that might be on your police report:

Police Report

  • VIN and license plate number
  • Car’s year, make, and model
  • Location and estimated time of the theft
  • Identifying vehicle traits, such as bumper stickers or accessories

Insurance Claim:

  • Certificate of Title
  • Location of the car keys before and after the car was stolen
  • Names and info of all parties who had access to your car
  • Vehicle description, i.e. mileage, service records, upgrade, and options
  • List of personal items that may have been stolen with the car
  • Financing or leasing company contact info and your account number
2020 Silver Nissan Pathfinder on Snowy Road

Get More Info from Suntrup Nissan in St. Louis!

Are you still curious, “does car insurance cover theft?” Contact our team today! Whether you want to learn more about our new vehicle offers, or learn more about car theft insurance options near Fenton, then we’d be happy to help you discover more.

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