I left my engine running while I ran into a store, and somebody stole my car. Will comprehensive insurance pay my theft claim?
The answer in most cases is "yes," says Ward. Even though it's your own darn fault, "there is coverage for that under your comprehensive theft coverage.” An obvious lack of good judgment normally won't prevent you from collecting, he adds.
You probably will have to pay your deductible, but here is some relief: “If a thief steals your car and damages it, it is covered by comprehensive coverage while it is out of your control," says Ward.
Pages in this slideshow:
- Self-inflicted car insurance wounds: I crashed into myself!
- My wife backed out of the garage and hit my car in the driveway. Can we make a claim on our liability policy?
- Another car hit my door as I was opening it. Whose insurance pays?
- I crashed into my own garage door. Will I need to make a collision claim for my car and a home insurance claim for the garage door?
- I smashed my hand in my car door. Can I make a bodily injury claim on my car insurance?
- I left my engine running while I ran into a store, and somebody stole my car. Will comprehensive insurance pay my theft claim?
- I left my emergency brake off and my driverless car rolled down the driveway and across the street, into my neighbor's tree. Will my car insurance pay for the damage to my car and what about the damage to the tree?
- I crashed a car while on a test drive. Whose insurance pays?
- My daughter crashed her Little Tikes Cozy Coupe into my car, scratching the door. Can I make a comprehensive claim?