CarInsurance.com Get an Insurance Quote
> ZIP code:  Click & Quote
CarInsurance.com Navigation
  About Car Insurance About Us
  Car Insurance Site Map Site Map

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
Use the form below to email this article to a recipient that may find this article helpful or click on the question to find many more related answers to your questions.

QuestionInsurance Question  I had my computer stolen out of my car. With only liability on my car insurance, can I expect anything back from my insurance?

AnswerAuto Insurance Answer

No, unfortunately personal items stolen out of your vehicle is not covered by your car's liability insurance. Liability insurance is usually property damage and bodily injury and thus pays for damages to another person's property and medical bills when you are at fault in an accident.

If your car was stolen it would be covered under comprehensive coverage. Even under this optional physical damage coverage though your computer would not be covered if stolen from your vehicle. Personal items taken from a car are not usually covered by an auto insurance policy.

You should see if you can make a claim through your homeowners or renter's insurance though for the theft of your computer from your car. These types of insurance policies typically cover damage to your personal effects owned or used by you while anywhere in the world. This includes while you are traveling or while your property is in transit.

Check your homeowners or renters policy to see if the computer would be covered. Keep in mind most policies have a $1000 coverage limit on expensive personal items such as jewelry, furs, cameras, musical instruments and fine art. You can purchase additional coverage for these items if you find this is needed, but this is something to discuss with your insurance agent for your homeowners or renters insurance policy.

If you need to acquire homeowners or renters insurance then you can do so with our partner Safeco through these links or by calling 1-800-936-0356.

Your Name:
Your Email:
Send To This Email:
Your Comments:
 
©2009 CarInsurance.com, Inc. - Online Insurance Marketplace™
safe and secure auto insurance   better business bureau car insurance   Tested, Safe, and Secure Car Insurance