If your car is stolen in Woodstock GA, you will be covered by insurance if you have comprehensive coverage. Liability coverage and collision coverage will not help you if your car is stolen. Comprehensive coverage is designed to protect you from damage to your vehicle in a non-collision event. This coverage is not required, so you should make sure you have it if you want to use this. It can be a common misconception that your home policy will cover your stolen vehicle, especially if you car is stolen from your home.
The first step after your car is stolen is to file a police report, and then contact your insurance agent at Peter Laczko Insurance Inc. to start the claims process. When filing a claim, you will need the certificate of title for the vehicle, location of the keys before and after theft, name and information of people that have access to the vehicle, and description of the vehicle, which includes mileage, service records, and upgrades. If you have receipts for upgrades, this is even better. You will also need a list of personal property that was in the vehicle. Your homeowners or renters insurance may provide additional coverage for personal items that are stolen. If you are financing or leasing your vehicle, you need that contact information and need to let them know as soon as possible. Many insurance companies will require a waiting period for the claim to be finalized, in order to see if the police can recover the vehicle. The wait usually begins once the car is stolen, not when you file the claim. If you car is recovered, your comprehensive coverage will cover damages to your vehicle if it’s not a total loss.
Contact an agent at Peter Laczko Insurance Inc. serving Woodstock, GA to get an auto insurance quote, or to add comprehensive coverage to your policy.
