Unfortunately, if you’re wondering, “Does liability insurance cover theft?” the answer is no. All liability covers are injuries and property damage to the other party if you’re at fault in an accident. Does car insurance cover theft? It does if you have comprehensive insurance, which covers a variety of unfortunate instances that might befall your Escalade. Val Ward Cadillac explains some instances where you can receive benefits if you’re the victim of auto theft.
If your car’s stolen near Ft. Myers and you have car theft insurance as part of your comprehensive auto insurance policy, you should be covered for the Actual Cash Value (ACV) of your vehicle. This type of car theft insurance will also cover any damage if your window is broken in a smash and grab break-in, or the ignition is damaged by a break-in attempt. However, personal items stolen from your car aren’t covered. They are most likely covered under your homeowner’s or renter’s insurance. If your car is stolen you’ll have to submit claims to your auto insurance for the car and your homeowner’s insurance for the personal items inside.
Whether it’s a break-in or your car is stolen, it’s certainly a stressful and upsetting experience. Knowing how to deal with the situation can help. Storing your car’s title away from the car will help. Here’s what to do immediately after you realize your car has been stolen:
Again, you need to file a police report within 24 hours of the theft. You’ll also need to submit your claim/s to your insurance providers. Here’s what you need to complete both of these steps:
No matter what happens, your safety and peace of mind are most important. Contact the Val Ward Cadillac service department to learn more about anti-theft devices, and our finance department to find out the best way to protect your assets in case of theft.
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