Does My Car Insurance Cover Theft?

Car Theft Happens Fast—Are You Covered?

Car thieves act quickly, and theft happens more often than many people realize, especially in the Washington, D.C., Maryland, and Virginia (DMV) area. Whether someone steals your car or breaks in to take something, it’s crucial to understand how your insurance protects you.

At Klinger Insurance Group, we guide drivers in Germantown, Rockville, Bethesda, and throughout the DMV area to understand their auto insurance, so they stay protected and prepared.

Which Insurance Covers Car Theft?

Only comprehensive coverage pays for theft-related claims. If someone steals your vehicle or damages it during a break-in, comprehensive insurance helps cover the repair costs—or even replaces your vehicle entirely.

If you only carry liability insurance (the legal minimum), your policy won’t cover theft.

What Does Comprehensive Insurance Cover?

Comprehensive coverage typically pays for:

• A stolen vehicle
• Damage from a break-in, like broken windows or locks
• Theft of car parts, including rims or catalytic converters
• Vandalism or damage from attempted theft

Does Auto Insurance Cover Personal Items Inside My Car?

Usually not. Auto insurance doesn’t cover personal belongings such as phones, laptops, purses, or gym bags. Depending on your policy, your homeowners or renters’ insurance might provide some protection for those items.

Prevent Car Theft in the DMV with These Simple Tips

The DMV area continues to see its share of car thefts and break-ins. Reduce your risk by taking these simple steps:

• Lock your doors and roll up your windows every time you park
• Keep valuables out of sight
• Park in well-lit, busy areas
• Install a car alarm or theft-prevention system
• Use a steering wheel lock or other visible deterrents

Know What Your Policy Covers—Before You Need It

If you’re not sure whether your policy includes comprehensive coverage, now’s the time to find out. At Klinger Insurance Group, we review your current plan, explain what it covers, and help you find the protection that fits your life and budget.

Call us today at 301-428-4935 or visit our Germantown, MD office. We proudly serve families across Montgomery County and the entire DMV area.