Does Alabama car insurance cover a stolen car?

It’s kind of one of the worst nightmares of every car owner – walking out to the driveway or the parking lot and realizing that your car is not where you left it. Since you’re pretty sure that your car can’t drive itself, the logical explanation is that the car has been stolen. Now your question is this: will Alabama car insurance cover you if your car is stolen? We’ll explain what you need to know about insurance and car theft.

Will my car insurance cover me if my car was stolen?

The answer to that question is dependent on what kind of insurance you have for your vehicle.

Liability insurance will not cover you if your car is stolen. It will only help cover your legal obligation to a driver and their passengers whom you injure in an accident by covering expenses like their medical bills and pain and suffering. (It can also help you if they sue.) It can also help you if you cause property damage – for instance, it can cover the repairs or replacement of the other driver’s car if you’re at-fault in an accident.

So, if you only carry liability insurance for your vehicle, your stolen car would probably not be covered. Liability insurance does not protect your vehicle – so if you’re in an accident or if your car is otherwise damaged, it won’t help you.

So, how can you make sure that you’re covered in a stolen car situation?

You would need to have comprehensive car insurance.

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What is comprehensive car insurance?

Comprehensive car insurance protects your vehicle by helping you repair or replace your car if something other than an accident damages it. (There’s another coverage called collision coverage that can help you repair your car if it’s damaged in an accident or by another form of collision.)

Some losses that comprehensive coverage can protect you from are:

  • Fire
  • Animal strike (like if you hit a deer)
  • Vandalism
  • Falling objects (like if a tree fell and squashed your car)

Comprehensive coverage can also protect you against theft. So, if you have comprehensive insurance and your car is stolen, you may be covered. (Now, it’s always a good idea to read your policy carefully to find out what is and isn’t covered.)

If you have a loan for your car, your lender probably has required that you carry collision and comprehensive insurance. They want to protect the investment they’ve made in your car, and collision and comprehensive coverage are crucial when it comes to getting your car repaired or replaced if something happens to it. You have to make sure that you’re satisfying your lender’s insurance requirements when you’re getting coverage for your vehicle.

Are my belongings covered if they’re stolen from my car (or with my car?)

If you had some of your personal belongings in your stolen car and they get taken, you would have to check and see if your home insurance or renters insurance would cover them. The personal property section of your home insurance policy might extend to cover your belongings even if they’re not in your home, so you could be covered if someone steals them from your car.

Once again, however, we have to advise you to read your policy carefully. It’s best not to make any assumptions when your insurance is involved.

Am I covered if my car is found, but it’s damaged?

Let’s be real – if a thief grabs your car and takes it for a spin, it might not be in the same condition in which you left it if it’s returned to you. And if your stolen car is returned to you and it’s damaged, the damage should also be covered. So, you should be able to get the car repaired.

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No one wants to be in a situation where their car is stolen. But having the right coverage can really make a difference in this kind of scenario. Remember, liability insurance won’t cover you if your car is damaged – or stolen. You would need to carry comprehensive coverage. It’s important to review your insurance coverage and make sure that it will cover all of the situations that you wouldn’t want to face on your own.

If you want to get quotes on Alabama car insurance, we would be happy to help. We’ll help you get multiple quotes so you can compare coverages and pricing. Getting started with your quotes is easy – just fill out our online quote form or give us a call. We’re here to help.


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