Whether car insurance covers theft or vandalism depends on the coverage purchased and the terms of the policy. Comprehensive coverage commonly addresses these risks, but it is important to check the contract.
## Check the coverage you have
Review your declarations page to see whether comprehensive coverage is listed and what deductible applies. If you only carry liability coverage, damage to or theft of your own vehicle may not be covered by that part of the policy.
## Take practical precautions
Lock the vehicle, remove visible valuables, park in a secure and well-lit location when possible, and keep keys protected. Anti-theft devices may be useful and may qualify for a discount with some insurers, but availability varies.
## If your car is stolen
Contact local law enforcement promptly and obtain a report or reference number. Notify your insurer and provide accurate details, including the vehicle identification information and any requested documents. Do not delay reporting while trying to investigate on your own.
## If the car is vandalized
Photograph the damage before repairs when it is safe to do so. Ask the insurer whether an inspection is required and which repair process applies. Keep receipts and correspondence.
## Know the limits
Personal belongings inside a stolen vehicle may be handled under a different policy, such as home or renters insurance, if applicable. Mechanical problems and missing accessories may be treated differently.
No policy covers every event. Confirm exclusions, deductibles, deadlines, and documentation requirements directly with your insurer.