Insurance and Car Theft

November 7, 2017

There has been an increase in car theft and car break in’s in the ocean county area, and you are probably asking if you are covered??  Well let’s get the facts..  First take a look below at the ( 7 ) Jersey Shore towns that made the top 100 of the Uniform Crime Report. 

Lakewood     Neptune    Brick    Toms River    Long Branch

Asbury Park     Ocean Township (Monmouth)


Now are you covered ??

If you have comprehensive coverage, you’re in luck. Comprehensive insurance will typically cover repair costs for your vehicle, which may include:

Broken door locks

Smashed windows

Broken ignition system


What if your car was stolen.

This situation also depends on the type of car insurance you have. If you have comprehensive coverage, your vehicle’s value will be covered.



So, does car insurance cover stolen items? Unfortunately, it does not. Comprehensive auto insurance will only cover the components and features that are permanent, pre-installed parts of the car. It will not cover your own personal belongings left inside, such as an iPod or wallet. However, these items would likely be covered by a homeowners or renters insurance policy. If your car were stolen with personal items inside, you would need to file two different claims – one through your auto insurance and one through your homeowners insurance.


After reading this. You may realize that you want the comprehensive on your vehicle.  Even at the lowest $100 deductible it will not change the price of your policy too much!  Think about what your car is worth.. Also do you have renters and homeowners to cover your stolen belongings??


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