If you’re asking, “Does auto insurance cover theft?”, the answer is—it depends. Auto theft is typically covered under comprehensive coverage, which is an essential part of full coverage auto insurance. However, if you only carry basic liability coverage (often referred to as PLPD or no-fault insurance), theft will not be included. For this reason, understanding the importance of comprehensive coverage is key to ensuring your vehicle remains fully protected against theft and other unexpected losses.
In addition to theft, comprehensive coverage also protects you from other risks such as vandalism, fire, and natural disasters. Unlike collision coverage, you can purchase comprehensive coverage separately, which makes it a flexible and affordable option for many drivers. By adding this coverage to your policy, you gain peace of mind knowing that your vehicle is protected against more than just accidents. As a result, you can avoid the financial strain that comes with replacing a stolen car out of pocket.
Without comprehensive coverage, you could be left responsible for the full cost of your vehicle in the event of theft. That’s why it’s so important to review your current insurance policy and make any necessary adjustments. Additionally, speaking with your insurance provider ensures you have the right protection in place. By staying informed and proactive, you can avoid costly surprises and confidently handle life’s unexpected challenges.
Our owner and founder, Pat Brennan, explains more. Check out the video below!
Does Auto Insurance Cover Theft? – Entrust Insurance, St. Clair Shores
Video Transcription
“Yes, but it depends. So theft is covered under the comprehensive coverage, which is one component of full coverage. So if you buy just the most basic PLPD or what people refer to as no fault insurance, it will not include those. But if you add comprehensive, which you can buy individually, separate from collision, but as long as you have that comprehensive coverage, you have theft and a myriad of other coverages that protect you.”
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