In the event your car is stolen, knowing you took the time to explore your insurance coverage options is a good feeling. Drivers should make sure they are aware of the steps to take after their vehicle is stolen. Being a victim of car theft is an unsettling experience and having the support of your insurance company is always best for getting through it more easily.
Calling the police and filing a stolen car report is essential for you to file a claim against your policy. Filing a police report also allows you to be free of damages a thief may cause with your vehicle as well. The number of thefts occurring today are increasing. Making sure you learn more about the coverage you would need in this situation is important.
A comprehensive addition to your policy would cover the theft of your car. However, even those drivers without this coverage should contact their insurance company about theft. This is also how you make sure you will not be responsible for damages done by the thief driving your vehicle.
Having your information together before calling about a stolen vehicle is best to save time and stress. You will need the title of the car, all the sets of keys for it, a detailed description of the car, and a list of peoples names that had access to the car. You might also need to provide your account information if your vehicle is still financed.
You might also be asked to fill out special forms surrounding the events of your car theft. This recorded information is your side of the story and other details related to your automobile. By completing these forms, you can compile the necessary facts to help authorities hopefully retrieve your vehicle.
While you may try to reduce your premiums by dropping comprehensive coverage, consider the scenario of car theft. Being reimbursed for a new car or at least a great portion of it can be necessary to maintain your current lifestyle. Talk to an agent about the benefits for you by adding comprehensive to your policy.
If you are considering adding comprehensive and collision coverage to your policy, go online for a free insurance quote. In this way, you can see the savings compared to the expensive losses you would experience if your car is stolen. Always remember the peace of mind that comes with knowing you are covered is great.