will my auto insurance cover a break in?

Question

my car was broken into last night and they stole my wallet with a debit card and ID plus a 230$ radio faceplate. its from best buy and i have the recipet will my insurance remburce me for the broken window, which will probably be about 260$ to fix plus my radio and wallet?

Answer 1

They'll probably cover damage to the vehicle if you have comprehensive coverage to cover break ins. If you only have collision without the other you might be out of luck.
Call your bank right away and cancel the debit card.
You might want to read the fine print of your policy to see if it covers the stuff inside the vehicle that was taken. Usually the car policy covers car damage only.

Answer 2

Legally, as long as you have, 'reliable witnesses' for the court, you can win with a lawyer. However, if you did not get the max coverage on your auto insurance, you may have a battle on your hands. With some insurance companies, if you do not have coverage on the contents, it may only cover the items that are built into the car, such as AM/FM, stereo with all the goodies, CD/DVD player and such...expensive wheels (no wheel covers which can easily be removed), and so forth. I would have someone else call the insurance you use to ask for a price quote for the same type policy you would have, with the same make and year of car. Then have this person ask if anything other than built in modules are stolen, like LUGGAGE, computers, cells phone and so forth. Find out what the answer to their question is. This will tell you for certain if or not the adjuster to lying to you because they know that would have to pay up. I did that when my daughter-in-law had that issue, and as it turned out, the insurance carrier was telling the truth. So, I would do something like that before calling an attorney. You just may save money on consultation fees. Hope that helps.

Answer 3

if you carry comprehensive coverage....the damage to the window would be covered less your deductible.

So - if you have a $250 comprehensive deductible.....and the cost to replace the windiw is $300....The insurance would cover $50.00

Unless you live in a mandatory safety glass state (like Kentucky) or you have an all glass endorsement (which covers glass damage - no deductible)

As far as the radio is concerned....they might have a hard time buying that they ONLY took the face plate. There's not much you can DO with a faceplate. At any rate - you would be covered for the cost of OEM (original) equipment in the vehicle. Unless you had a particularly high end stero - you should be ok. (Most policies will cover custom equipment without an endorsement up to $1000).

An auto policy covers.....the auto....

It does not cover contents. wallet...cd...cash...anything like that.....covered by renters coverage.

Answer 4

My friends car was broken into a couple weeks ago. They took a satellite radio thing, some jewelry, and some sunglasses. The insurance covered the sirious satellite radio and the broken window. But it didn't cover the jewelry or the sunglasses because they said those things weren't part of a car or an upgrade. She had full coverage insurance. All you should worry about is your wallet they should cover everything else.

Answer 5

If you have Comprehensive coverage on your auto policy (fire, theft, vandalism) it will cover the damage to the window, and any vandalism to the inside of the car, to ORIGINAL equipment. If that radio faceplate was an after market customizing equipment, it will only be covered, if you insured for customizing equipment.

The wallet, etc, are CONTENTS, and you would need to file a claim under your homeowners or renters insurance for that.

Answer 6

Your wallet would not be covered under your auto insurance. If you have homeowners insurance, it should be covered under that policy. Your auto policy only covers parts that are permanently installed and does not cover any contents.

Answer 7

As others mentioned, those two items would most likely be covered... but... your deductible would apply. A few states would require the insurance company to waive the deductible on all glass... but very few. If this were the case, the deuctible would still apply to the radio.

I mention this as most people have at lease a $250 deductible.

Answer 8

Most insurance companies will not cover items stolen from a car unless they are attached from the auto manufacturer. I had State Farm. Receipt or not, my guess is no. Been there, suffered that.

Answer 9

I do not think Car Insurance covers items left within the car such as wallets but you will have a set amount to get for in car entertainment ie £100 etc dependant on your policy.

It shoudl all be listed in your policy as to what you are entitled to m8.

You could contact your insurer and ask them they are usually quite good.

Answer 10

Depends entirely on your coverage. Ask your agent. Frankly, it's unlikely they will cover your wallet (which should not have been left in the car) or the radio unless you told them when you put it in and upped your coverage, which leaves only the the window, and only if you had enhanced coverage.