It’s not always convenient or easy to be a car owner. Cars are attractive to thieves due to their mobile character and hence can be broken into and stolen in the blink of an eye. Wire cutting experts will have no problem immediately starting your ignition and driving away with your car before you even know what hit you. Not to mention the number of break-ins and reported theft from vehicles — people tend to leave their most valuable assets such as laptops or jewelery on the back or front seats, turning into easy targets for thieves lurking around parking lots in search of their next prey. But where do you think car insurance falls into these horror stories?
How To Deal With Car Break-ins
Have you ever fallen victim to a vehicle break-in? How valuable were the items stolen from you? Did you feel your privacy has been violated? Picking up the pieces after such an incident is not easy, and it requires nerves of steel and clear steps to follow. Making a claim on an auto insurance policy is one way to handle it; you can ask for the damage to be fixed in the shortest time possible. Unfortunately, not all items are covered by this type of an insurance; you may have gotten your cell phone, laptop, or car stereo stolen from your vehicle. But do you know if they all fall under the safety net of insurance coverage?
Your Comprehensive car insurance policy covers the damages caused by theft. If you are the victim of a car break-in, check and see if the Comprehensive coverage has got you covered. Find out exactly which are the items that are covered covered in case there is a theft. For example, car stereos are usually covered by these policies, but there is no actual guarantee for this. As for mobile phones, laptops, pr wallets and electronics, they are most likely covered by your separate homeowners insurance policy, in the event you have one. If you do not own such an insurance at the moment, you might want to reinforce your car’s locks and make sure no one can easily break in and steal items you will not be covered for.
Keep Your Car Safe From Thieves: Tips And Advice
Get in touch with an Authorized Locksmith in your area or pick a company that offers nationwide service, automotive services included. Take a look at their credentials and references, expertise, experience, and flat rates. Check their list of services and see if they can cater to your car reinforcement needs by repairing your locks or jammed ignition, reprogramming your transponder key, or fixing your broken trunk lock. All of these vulnerabilities are nothing but open invitations for thieves looking forward to steal your belongings or even car. While certain U.S. states will cover sudden and direct or accidental loss to your vehicle, as well as equipment and parts, this is not true for all states. So just to play it safe, you should immediately pick up the phone and call an authorized and licensed/bonded locksmith; such a specialist will be able to cover any potential damage done to the car in case of poor locksmithing repair equipment use. Since we are on the topic of insurances, make sure you only opt for an inured and bonded locksmith so you are not forced to cover any additional damage.