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FAQ: Other Insurance Coverage
Are items stolen from my car covered by my auto insurance?
For many of us, our car is like a second home. Consequently, if our car is vandalized or stolen, we’re often left feeling vulnerable— especially if valuables have been stolen. Items stolen from your car may not be covered by your auto insurance coverage. However, your renters or homeowners insurance often covers such losses. Check all your insurance policies for coverage details so that you know whom to call if a theft occurs.
Below are some helpful tips on what you should do if items have been stolen from your car:
- Immediately file a report with the police detailing the belongings that were stolen from your vehicle.
- Report the incident to your auto insurance company or the company you use for your homeowners or renters insurance.
- Be prepared to provide your claims representative with receipts and detailed descriptions of the stolen goods. Your preparation will help speed up the claims process.
- Remember that it’s always best to avoid keeping valuables in your car.
If items have been stolen from your car, chances are, your car has also experienced damage to some extent. If this is the case, you should call your auto insurance company as soon as possible. If you’re an Esurance policyholder, you can contact a claims representative 24 hours a day, 7 days a week.
For tips on how to keep your car more secure, take a look at:
Thick as (Car) Thieves: Auto Theft, Vandalism, & Your Auto Insurance.
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