The National Insurance Crime Bureau states that 156 cars are stolen every single day. Hopefully you’ll never be one of those statistics, but in the event that your car is broken into or stolen, it’s important to know what your car insurance will–and won’t–cover.
Comprehensive car insurance is usually optional and covers a variety of non-crash damage, such as vandalism or broken parts caused during a break-in. This type of car insurance typically has a deductible that you’ll need to meet before the company pays out. It’s also important to note that car insurance doesn’t cover belongings inside the vehicle, such as your wallet or cellphone. That’s covered separately by homeowner’s or renter’s insurance.