Does Car Insurance Cover Theft or Vandalism?

Q: Does Car Insurance Cover Theft?

It depends on the type of insurance you have. With comprehensive coverage from The Hartford, you’d be taken care of if your car gets stolen, as it helps protect against a range of incidents, including theft.

Q: What Is Car Theft Insurance?

Car theft insurance is included in comprehensive coverage, which helps protect your investment if your car is stolen. This type of coverage is included in many car insurance policies from The Hartford.

Q: Does Car Theft Insurance Cover Vandalism?

Yes, comprehensive car insurance, also known as 'other than collision' coverage, helps cover against theft, vandalism, civil disturbances, fire, falling objects, and hitting an animal. It can help pay for property damage to your vehicle, like broken windows or damaged locks, if your car is broken into or someone tries to steal it.

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What Is Car Theft Insurance?

Hopefully your car never gets stolen. But if it does, or if you’re just worried about auto theft, insurance from The Hartford can help. You’ll just need to make sure you have comprehensive coverage, which is included in many car insurance policies, to help protect your investment if your car is stolen.

Does Car Theft Insurance Cover Vandalism?

Also known as “other than collision” coverage, comprehensive car insurance helps cover against things like:

Theft
Vandalism
A civil disturbance, like a riot
Fire
Falling objects
Hitting an animal

So, if your car is broken into or someone tries to steal it, comprehensive coverage can help pay for property damage to your vehicle, like broken windows or damaged locks.

driver protected by car theft insurance from The Hartford

Does Rental Car Insurance Cover Car Theft?

When you rent a car, you’ll need to make sure you have the right rental car insurance coverage to enjoy peace of mind on the road. At The Hartford, we make it simple. The coverage on your car insurance policy will automatically extend to include your rented vehicle.

Does Car Insurance Cover Theft of Personal Items?

What exactly does your car insurance cover? Does auto insurance cover theft of vehicles or the content inside like your personal belongings? Well, it really depends on your policy details and your provider, but if you have comprehensive coverage, that usually won’t cover items that are stolen from inside your vehicle. The best way to know how you’re protected is to contact your insurance company directly.

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For over 40 years, we’ve been helping AARP members find the right car insurance policy to protect them and their families. Not to mention, we offer savings to make sure you can drive with confidence without breaking the bank, like offering a home and auto insurance bundle discount of over $800.** Get a quote online today or call 888-546-9099 to get started.

Frequently Asked Questions About Car Theft Insurance

What Does Rental Car Insurance Cover and Not Cover?

Rental car insurance coverage helps pay for a rental car if your vehicle gets damaged in an accident or another covered incident, like being stolen. At The Hartford, your car insurance coverage will automatically extend to your rental without needing to purchase anything extra. But the best way to know for sure what is and isn’t covered when you rent a car is to contact your insurance carrier directly.

Does Insurance Cover a Stolen Car?

Many drivers ask, “Does insurance cover stolen vehicles?” The answer is yes, if you have comprehensive coverage on your car insurance policy. This helps pay to replace a stolen car or any damages caused by an attempted theft.

If you’re wondering, “Does insurance cover stolen cars that are financed or leased?” Comprehensive coverage will still help cover any costs to replace your stolen vehicle, but you may want to add additional protection, like gap insurance coverage, if your vehicle is new and you still owe a lot on your loan.

What Do You Do When Someone Steals Your Car?

If someone steals your car, you’ll need to file a police report right away. Once you do that, you should file a theft claim with your insurance company. In some cases, you’ll also want to contact your finance or leasing company. The Hartford is here to help throughout the entire process, including when you first file a car insurance claim.

You can also use your car’s vehicle identification number to look it up on the National Insurance Crime Bureau’s stolen car database, known as (NICB) VINCheck.

How Do Insurance Companies Investigate Stolen Cars?

Before your insurer will pay for a stolen car, they’ll need to investigate it. This means they’ll need to know the time, date and location of the theft, so be sure to write down any details you can and include them when you file a claim.

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AARP Benefits and Discounts

** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.