My car was broken into last nite, and took a bunch of items. I just need to know if its even worth calling the insurance company.
2007-04-06 00:59:31 · 11 answers · asked by DeAnthony T 1 in Cars & Transportation ➔ Insurance & Registration
Liability car insurance only covers dammage caused by your car. However some times homeowner insurance will cover thieft of items. Either way never leave anything of value in a car. Most often deductable and higher insurance rates will keep you from filing a loss.
2007-04-06 01:05:54 · answer #1 · answered by John Paul 7 · 0⤊ 0⤋
Does Liability Insurance Cover Theft
2016-11-05 22:47:29 · answer #2 · answered by boddie 4 · 0⤊ 0⤋
Sorry but liability coverage insurance does not cover car theft. Best of luck and be safe. RE: does liability coverage insurance cover car theft? i have only liability on my car insurance and i would like to know if that covers car theft .
2016-04-01 00:22:37 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Your personal items in the car are not covered on your auto policy no matter what kind of auto coverage you carry. Your personal items are covered under your homeowners or renters policy.
When your car is broken into, it can turn into two claims. One for any damage done do the car (which would be covered under comprehensive coverage) and one for theft of personal property if it exceeds the deductible of your homeowners or renters policy.
You would be responsible for the deductibles on both claims, too.
2007-04-06 04:35:19 · answer #4 · answered by Jessica S 3 · 0⤊ 0⤋
Nope, Liability only covers the cars and or property you damage with your car.
Even auto theft doesn't cover contents of the car, just the car itself.
2007-04-06 01:53:45 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Umm, why do you know so little about your policy? Did you buy on-line? I am a licenced broker. I explain the basics of policies to my clients. There are certain policies I refuse to sell people, because I know they would be back claiming I never told them such-and-such wasn't covered. Liability covers you for damage you do to another person and or his property. It covers nothing of yours. This should have been explained to you by your broker or agent. Property inside your car would not be covered by any auto policy, but it may be covered by the off-premises provision of your home or tenant policy.
2007-04-06 09:47:24 · answer #6 · answered by Fred C 7 · 0⤊ 0⤋
No. Stuff inside your car would be covered by your homeowners or renter's policy. Even if you had "full coverage" on your auto policy, it wouldn't cover your "stuff".
Liability only means, we'll never pay YOU, we only pay the guy you hit.
2007-04-06 06:48:11 · answer #7 · answered by Anonymous 7 · 0⤊ 0⤋
Liability only covers what you do the the other guys car or him or her and doesn't cover any damages to your car or stuff.
2007-04-06 02:30:21 · answer #8 · answered by Anonymous · 0⤊ 0⤋
no it will not. you have to have a rider for theft and some companies won't do that.
2007-04-06 01:12:30 · answer #9 · answered by Anonymous · 0⤊ 0⤋
sadly no. but you can purchase theft on it.
2007-04-08 14:31:28 · answer #10 · answered by Paul 3 · 0⤊ 0⤋