Motor vehicle burglary can be a frustrating and costly experience, and unfortunately, it’s not uncommon. In the U.S., thousands of car burglaries occur each day, with Maine being no exception. If your vehicle is broken into, you might be wondering if your auto insurance will cover the stolen items, damage to your car, or both. In this article, we’ll answer common questions about coverage and provide insights into how different types of insurance can help protect you.
What Counts as Burglary to a Motor Vehicle?
Burglary to a motor vehicle involves unauthorized entry into a vehicle with the intent to steal items inside or cause damage. It could mean a broken window, a damaged lock, or stolen valuables. Unfortunately, even with precautions, these incidents happen, and knowing how your insurance may cover you is essential for peace of mind.
Does Auto Insurance Cover Burglary to Motor Vehicles?
Your auto insurance policy’s coverage for burglary depends on the type of policy you have. Let’s break down how different parts of your insurance policy might apply:
- Comprehensive Coverage
- What It Covers: Comprehensive insurance can cover damage to your car resulting from a burglary. If a thief breaks a window, damages the door lock, or vandalizes your vehicle in any way, comprehensive coverage can help pay for repairs.
- Personal Belongings: Comprehensive auto insurance typically does not cover personal belongings stolen from your vehicle, such as electronics, jewelry, or other valuables. These items would require separate coverage.
- Homeowners or Renters Insurance for Personal Belongings
- If you have homeowners or renters insurance, it might cover personal belongings stolen from your car. These policies generally cover your personal property, whether it’s in your home, in your vehicle, or elsewhere.
- Coverage Limits: Be sure to check the policy limits for personal property theft. Some policies have sub-limits for valuables like electronics or jewelry, and a deductible may also apply.
Common Questions About Motor Vehicle Burglary Coverage
1. What Should I Do if My Car is Broken Into?
If you experience a vehicle burglary:
- Report the incident to local law enforcement.
- Document all damages and stolen items with photos.
- Notify your insurance provider as soon as possible and provide details to process the claim.
2. Does Liability Insurance Cover Theft?
Liability insurance is meant to cover damages you cause to other people or their property. It does not cover theft or damages from burglary to your own vehicle.
3. Are Accessories and Custom Parts Covered?
Comprehensive coverage can include factory-installed parts and accessories, but aftermarket customizations might require an endorsement or add-on coverage.
4. Do Deductibles Apply to Burglary Claims?
Yes, deductibles typically apply to claims for burglary-related repairs under comprehensive coverage. Homeowners or renters insurance may also have deductibles for stolen personal items.
How to Prevent Motor Vehicle Burglary
While insurance can help ease the financial burden, it’s always best to prevent burglary when possible. Here are some tips to minimize your risk:
- Lock your vehicle and set any security systems.
- Park in well-lit, visible areas.
- Avoid leaving valuables in plain sight.
- Consider a car alarm or security system for added protection.
Final Thoughts
Understanding your insurance coverage for motor vehicle burglary is essential in Maine, where theft can affect anyone. Make sure your policy includes comprehensive coverage if you want protection for vehicle damage due to break-ins, and consider homeowners or renters insurance for stolen personal property. F.A. Peabody Insurance is here to help answer any questions and ensure your auto and property insurance policies are tailored to your needs. Contact us today to review your current coverage or to get a free quote.
Optimize Your Coverage Against Burglary
Preventing and preparing for motor vehicle burglary is crucial. If you want to learn more about burglary protection, insurance options, or have specific questions, reach out to our experienced agents at F.A. Peabody Insurance.