Does Liability Insurance Cover Theft?

Financing your car is not the only thing you need to worry about when purchasing your new vehicle in West Bloomfield. You must also think about your insurance situation. When selecting car insurance, you might ask the question, “Does liability insurance cover theft?” In short, the answer is “no.” If you’re asking yourself, “Does car insurance cover theft in general,” we at Mercedes-Benz of Bloomfield Hills are here to walk you through it.

Car Theft Insurance: The Fast Facts

Here’s a brief answer to, “Does liability cover theft?” Liability insurance is bare-bones coverage for your car that pays out for what happens as a result of an accident you cause. It does not cover theft. If you want to keep your car protected from theft in West Bloomfield, you need a little bit more than just liability insurance. You need car theft insurance. Car theft insurance comes in the form of comprehensive car insurance, which covers theft. Whether you’re leasing or financing your car, comprehensive car insurance is a must.

What To Do If Your Car Is Stolen

If your car is stolen, you need to file a police report within 24 hours of the theft. You’ll also want to prepare your documentation for your insurance company, as car theft insurance through comprehensive coverage will require evidence.

For the police report, you’ll need to provide:

  • The Vehicle Identification Number (VIN)
  • The location your car was stolen from and the time
  • Things that make your vehicle unique, like bumper stickers
  • The make, model, and year of the car
  • Existing damage to the vehicle

For your insurance company, you’ll need to provide:

  • Your car’s title
  • The names and information of whoever had access to your car
  • Your vehicle’s mileage and service history
  • Where your car keys were before and after the theft
  • Your financing or leasing company’s contact information
  • A list of any personal items stolen with the car

Here’s How Else You Can Keep Your Vehicle Safe

Now you know how to protect yourself against car theft. Comprehensive car insurance is not the only form of coverage you want, though. Learn how to file an auto insurance claim if you’re in an accident. Look into the Mercedes-Benz warranty, which will help you avoid surprise maintenance bills. Mercedes-Benz of Bloomfield Hills is where Southfield and Birmingham drivers come for all things Mercedes-Benz. Feel free to contact us with any questions.

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36600 Woodward Avenue • Bloomfield Hills, MI 48304

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Mercedes-Benz of Bloomfield Hills 42.557334, -83.22114.