{"id":1830,"date":"2025-11-16T09:49:40","date_gmt":"2025-11-16T09:49:40","guid":{"rendered":"https:\/\/www.way.com\/ask\/?p=1830"},"modified":"2025-11-17T02:45:44","modified_gmt":"2025-11-17T02:45:44","slug":"does-car-insurance-cover-theft","status":"publish","type":"post","link":"https:\/\/www.way.com\/ask\/does-car-insurance-cover-theft\/","title":{"rendered":"Does car insurance cover theft?"},"content":{"rendered":"<p><span data-contrast=\"none\">Your car is protected\u00a0in the event of\u00a0theft\u00a0only if you have comprehensive coverage. In other words, comprehensive coverage will cover\u00a0a\u00a0stolen\u00a0car, vandalism,\u00a0a\u00a0stolen catalytic converter,\u00a0a stolen\u00a0key or key fob, or damage to\u00a0the\u00a0vehicle during the theft.\u00a0<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">So, with comprehensive coverage, when your car is stolen, the insurer will pay for the current value or actual cash value of your stolen car. But the personal items stolen along with the car will not be covered unless they are covered separately under a property insurance policy.<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Therefore, if you just have liability or\u00a0collision\u00a0coverage alone as per the state requirement, your car\u00a0won\u2019t\u00a0be protected against\u00a0theft;\u00a0only\u00a0having\u00a0comprehensive coverage will cover a stolen car.\u00a0<\/span><span data-ccp-props=\"{&quot;335559685&quot;:0}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your car is protected\u00a0in the event of\u00a0theft\u00a0only if you have comprehensive coverage. In other words, comprehensive coverage will cover\u00a0a\u00a0stolen\u00a0car, vandalism,\u00a0a\u00a0stolen catalytic converter,\u00a0a stolen\u00a0key or key fob, or damage to\u00a0the\u00a0vehicle during the theft.\u00a0\u00a0 So, with comprehensive coverage, when your car is stolen, the insurer will pay for the current value or actual cash value of your&hellip; <a class=\"more-link\" href=\"https:\/\/www.way.com\/ask\/does-car-insurance-cover-theft\/\">Continue reading <span class=\"screen-reader-text\">Does car insurance cover theft?<\/span><\/a><\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-1830","post","type-post","status-publish","format-standard","hentry","category-auto-insurance","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Does car insurance cover theft? - ask<\/title>\n<meta name=\"description\" content=\"Does having full coverage insurance help in the event of theft? 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