CarInsurance.com Compare Insurance Companies
> ZIP code:  Quote & Compare
CarInsurance.com Navigation

Get Free Quotes Now

Zip Code:
Save With CarInsurance.com!
Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Professional Answer

Car Insurance Question  My car was stolen and set on fire will the insurance cover this?

It will depend upon the coverages that you have on your car whether it being stolen and set on fire will be covered by your auto insurance policy or not. You would need comprehensive insurance on your vehicle in order for it to be covered for both the theft of it and the act of vandalism which someone did to set it on fire.

Comprehensive covers your vehicle for losses other than collision (OTC). This can include covering for your car if it is stolen, damaged by flood, fire or animals among other things.

If you have comprehensive coverage on your vehicle you should place a claim with your insurance provider. Unless the thieves were caught by police it is likely that your insurer will do a thorough investigation into the vehicle being stolen and destroyed by fire before settling a claim for this type of total loss.

In cases where a car cannot be repaired an insurance company will determine the vehicle to be a total loss. When this occurs the insurance carrier will calculate the actual cash value (ACV) of the vehicle in the condition it was in before being stolen and set on fire.

This article on the Simple Steps to Filing Your Car Insurance Claim may be of use to you at this time as you contact your agent to find out about making the claim for your stolen vehicle.

If you only had liability coverages on your vehicle then you would not be covered. Liability covers only those you may cause harm to in an accident, not protect your car in any way from collision or claims for it being stolen and set on fire.

Share this on: Digg This StumbleUpon Add to Facebook Add to Del.icio.us Furl It Seed Newsvine
reddit this! Save to Ma.gnolia Save to Blinklist Technorati This Submit to Netscape Windows Live Favorites Add Google Bookmark
Related Questions
Car Insurance RelatedMy daughter's car caught fire while she was driving it. She and my granddaughter got out safely but the car and its contents were a total loss. She has full coverage. What will be used to determine th...
Car Insurance RelatedMy friend's car was set on fire when he was away, can he claim his car as a loss? How much could he expect in order to pay some of his loan? He has a 2003 Honda Accord.
Car Insurance RelatedMy car was totalled in a company parking lot, when the car parked next to me (a fellow employee that should not have been parked there according to company rules) caught fire in the engine compartment...
Car Insurance RelatedMy car caught on fire while the engine was idling. I have full coverage but when the claims adjuster comes out to look at my car in a few days can he deny coverage because of all my aftermarket parts...
Car Insurance RelatedDoes liability cover my car if it catches on fire for no reason of my own?
Car Insurance RelatedIf a car catches fire in the engine, would it be covered under the insurance?
Car Insurance RelatedWe had some electrical wires that were burned up with we were trying to put in a new stereo and it caused an electrical fire. Now we have to replace the wiring and it costs $9,000. Can this be claime...
Car Insurance RelatedIf 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.
Tell us what you think about this answer.
What did you think of this question and answer?

poor 
1
2
3
4
5
6
7
8
9
10

 excellent
Tell us why you rated this car insurance question and answer this way:
Visitor Comments
No visitors have commented on this answer.
Question Details
This car insurance question was asked on 8/21/2008
This auto insurance answer was last updated on 8/22/2008
Johnny requested this car insurance solution.
Rated 0 out of 10 based on 0 votes.
Claims
Print Car Insurance Answers Print this car insurance question and answer
Email Car Insurance Answers Email this auto insurance answer
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms Of Use.
©2008 CarInsurance.com, Inc. - Online Insurance Marketplace™
safe and secure auto insurance   better business bureau car insurance   Tested, Safe, and Secure Car Insurance