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Q

My car got stolen. After 2 days, it was recovered. I lost all my personal stuff inside my car during the incident (including jewelry, ipods, my school books, and lap top). If I have this full coverage, does my insurance cover my personal loss?


A

There is really no such thing as "full coverage." Most people use this term to refer to physical damage coverage. Physical damage coverage consists of collision and comprehensive coverage. Generally, collision insurance covers damage to your automobile caused by collision with another object or by upset. Comprehensive insurance covers damage to your automobile from vandalism, theft or glass breakage. (Most lien holders require physical damage coverage if you are financing or leasing your vehicle.)

Personal items (jewelry, ipods, school books, and lap tops) typically are not covered under your auto insurance policy in the event of a claim. These items can be claimed under your homeowners or renters policy.

Now, ultimately, you will want to check with your insurance company. However, in general, in most cases, your personal items are not covered under your automobile policy.

In addition, some policies include Customized Parts and Equipment Coverage. This is typically for items installed on a vehicle and not items that are left in a vehicle.

If you need a homeowners or renters insurance policy you can apply for such coverage through our partner Safeco at the above links or by calling 1-800-936-0356.


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