Does Liability Insurance Cover Theft?

car insurance paperwork with car key

When driving on Covina roads, you need car insurance. Have you wondered, “does liability insurance cover theft?” Liability insurance, despite its benefits, does not cover car theft. However, liability insurance provides peace of mind for other circumstances. Learn more about car theft insurance with Mercedes-Benz of West Covina. Then, be sure to check out our national offers.

What Does Liability Insurance Cover?

Despite many La Puenta drivers wondering “does liability cover theft,” it does not. Liability insurance covers the other party’s bodily injuries and property damage in an accident where you are found to be at fault in Glendora, and does not provide car theft insurance. Your next new Mercedes Benz will need a different type of coverage to protect it from theft.

How To Get Car Theft Insurance

So, does car insurance cover theft? In some instances, yes. Having comprehensive insurance coverage provides some protection from car theft. If your vehicle is ever stolen, your vehicle should be covered up to the Actual Cash Value (ACV) when you have comprehensive insurance coverage. Comprehensive insurance also covers an array of damage to your car such as:

  • Broken windows
  • Busted door locks
  • Tampered ignition system
  • Vandalism

Also, comprehensive insurance does not cover property stolen from inside your vehicle, such as credit cards, a laptop, or a smartphone. If these items are ever stolen, submit a claim with homeowners or rental insurance.

How To File a Report and Claim

Need to file a claim for a stolen car or stolen items? Alert your local police department and file a police report. You’ll need the following information:

  • VIN and license plate number
  • Car’s year, make, and model
  • Location and estimated time of the theft
  • Identifying vehicle traits, such as bumper stickers or accessories
  • Certificate of Title
  • Location of the car keys before and after the car was stolen
  • Names and info of all parties who had access to your car
  • Vehicle description, i.e. mileage, service records, upgrade, and options
  • List of personal items that may have been stolen with the car
  • Financing or leasing company contact info and your account number

Learn More About Car Theft Insurance at Mercedes-Benz of West Covina

Only comprehensive coverage will cover car theft. Need more information on obtaining insurance coverage? Contact us at Mercedes-Benz of West Covina today! If you need repairs done, schedule a service appointment with our service team and be sure to check out our service specials.

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