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Car Insurance Question  If my car is stolen or catches fires, or if it is totaled after someone has stolen it, will the insurance cover it? I have full coverage, comprehensive and collision.

Yes, comprehensive coverage normally covers when a car is stolen, stolen and recovered but found to be a total loss, is vandalized or has fire damage.

Of course if any of these things happened to your car your auto insurer would investigate the claim to make sure the loss is covered under the specific terms of your policy. You then would owe the deductible amount that you choose for your comprehensive portion of your "full coverage."

Comprehensive, or other than collision, typically covers your vehicle, and sometimes other vehicles you may be driving, for losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen; or damaged by flood, fire, or animals.

For specifics about your auto insurance policy you should read through your policy, its terms and if you have questions about what is covered discuss these items with your insurance agent.

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This car insurance question was asked on 7/23/2007
This auto insurance answer was last updated on 7/26/2007
Joshau requested this car insurance solution.
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