Does my auto insurance cover break-ins?

Does auto insurance cover break-ins? In some cases, auto insurance will cover break-ins. However, you will need comprehensive coverage to have the damages covered. Comprehensive car insurance will cover damage to your vehicle, but it will not cover theft of personal items. If you live in a high-risk area, it's important to understand how auto insurance covers break-ins.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 6, 2021

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Overview

  • Your auto insurance will only cover break-ins if you have a comprehensive policy
  • Auto insurance will not cover theft of any personal property, but you may be able to file a claim with your homeowners or renters insurance
  • If your car is stolen, comprehensive insurance should provide the value of your vehicle

If you’ve had the misfortune of having your car broken into, or if you’re worried about it happening in the future, you may be wondering about how your insurance will handle the incident.

In general, you will need comprehensive auto insurance to be covered after a break-in. Read more below to get answers to your questions, such as, “Does auto insurance cover break-ins?”

Enter your ZIP code into our free quote comparison tool above to compare auto insurance quotes from companies near you.

Does auto insurance cover break-ins?

Depending on the level of coverage that you have on your policy, your might have break-in coverage. You’ll need to carry comprehensive coverage to pay for break-ins.

Does car insurance cover broken windows? Comprehensive auto insurance covers the damage done to your vehicle from a break-in, such as a broken window or broken locks. If your car is stolen and can’t be found, your comprehensive coverage will pay to replace it.

Before your policy pays out, you will need to pay your deductible. You can always increase your deductible to reduce your premiums, but this means smaller claims won’t meet your deductible. As a result, you will have to pay for minor damage out of pocket.

Does car insurance cover theft of personal items? If someone breaks into your car and steals some personal property, such as your wallet or something else that is not a part of your vehicle, your auto insurance is unlikely to cover the loss of these items.

However, you may be able to file a claim with your homeowners or renters insurance for personal losses.

Does car insurance cover theft of car parts? Your comprehensive car insurance policy should cover the theft of car parts that are attached to your vehicle.

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What should I do when my car is broken into?

If you’re wondering what to do when your car is broken into, you should take a few steps to make sure that your insurance will provide the best coverage. The first thing you should do is take pictures if possible. Document the damage and make a list of missing items.

Next, you should file a police report. Your insurance company will want a copy of the police report. You may need to provide the police with your driver’s license, registration, insurance card, pictures of the damage, and the list of items that are missing.

If anything with your personal information on it was stolen, you might want to contact at least one credit reporting agency and any financial institutions that you work with to place fraud alerts.

If the damages to your vehicle exceed the amount of your deductible, it’s likely worth filing a claim with your auto insurance company. In addition, you may also file a claim with your homeowners or renters insurance.

What kind of car insurance should I buy?

At the very least, you should buy enough car insurance to meet your state’s legal minimum insurance requirements. Let’s take a look at the state laws for insurance:

Sufficient Insurance: State Laws
StateStatute
AlabamaLiability insurance required
(AL Code section 32-7A-4)
AlaskaMotor vehicle liability insurance required; exemptions
(AK Statutes section 28.22.011)
ArizonaVehicle Insurance and Financial Responsibility
(ARS Title 28; scroll to Chapter 9)
ArkansasProof to be furnished for each vehicle
(AR Code section 27-19-711)
CaliforniaFinancial Responsibility Laws
(California Vehicle Code, Division 7)
ColoradoMotor Vehicle Financial Responsibility Law
(CRS Title 42, Article 7)
ConnecticutProof of financial responsibility
(GSC section 14-112)
DelawareMotor vehicle liability policy
(DE Code Title 21, section 2902)
District of ColumbiaFinancial responsibility; proof required for each registered vehicle
(DC Code section 50-1301.52)
FloridaFinancial Responsibility
(FS Chapter 324)
GeorgiaMotor Vehicle Safety Responsibility Act
(Georgia Code Title 40, Ch. 9)
HawaiiMotor Vehicle Safety Responsibility Act
(HRS Chapter 287)
IdahoRequired motor vehicle insurance
(ID Statutes section 49-1229)
IllinoisMandatory Insurance
(625 ILCS 5/7-601 to 5/7-610)
IndianaFinancial Responsibility
(Indiana Code Title 9, Article 25)
IowaProof of security against liability
(IA Code section 321.20B)
KansasLiability insurance requirements
(KS Statutes section 66-1314)
KentuckyFinancial Responsibility Law
(KRS Chapter 187)
LouisianaSecurity required
(LRS section 32:861)
MaineFinancial responsibility and insurance
(MRS Title 29-A, Ch. 13)
MarylandRequired Security
(MD Transportation Code Title 17)
MassachusettsOperating motor vehicle without liability policy, bond or security deposit
(90 MGL section 34J)
MichiganProducing evidence of motor vehicle insurance
(MI Vehicle Code section 257.328)
MinnesotaCriminal penalty for failure to produce proof of insurance
(MN Statutes section 169.791)
MississippiMotor vehicle safety--Responsibility
(MS Code Title 63, Ch. 15)
MissouriMotor Vehicle Financial Responsibility Law
(MRS Chapter 303)
MontanaMotor Vehicle Insurance Responsibility and Verification
(MCA Title 61, Ch. 6, Part 1)
NebraskaProof of financial responsibility required
(R.R.S. Nebr. section 60-387)
NevadaInsurance required
(NRS section 485.185)
New HampshireAmount of proof of financial responsibility
(NH Statutes section 264:20)
Methods of giving proof of financial responsibility
(NH Statutes section 264:21)
New JerseyMaintenance of motor vehicle liability insurance coverage
(NJ Statutes section 39:6B-1)
New MexicoVehicle must be insured or owner must have evidence of financial responsibility; penalties
(NMS section 66-5-205)
New YorkFinancial security; registration
(NY Vehicle & Traffic Code section 312)
North CarolinaMotor Vehicle Safety and Financial Responsibility Act
(NCGS Ch. 20, Article 9A)
North DakotaProof of Financial Responsibility for the Future
[PDF] (ND Code Chapter 39-16.1)
Driving without liability insurance prohibited
[PDF] (ND Code Chapter 39-08; scroll to section 39-08-20)
OhioFinancial Responsibility
(ORC Chapter 4509)
OklahomaProof of financial responsibility
(OK Statutes section 47-7-201)
OregonFinancial Responsibility Law
(OR Vehicle Code Chapter 806)
PennsylvaniaFinancial Responsibility: Proof of Financial Responsibility
(PA Vehicle Code Chapter 17; scroll to Subchapter H)
Rhode IslandProof of Financial Responsibility for the Future
(RI Code Chapter 31-32)
South CarolinaMotor Vehicle Financial Responsibility Act
(SC Code Title 56, Ch. 9)
South DakotaMaintenance of financial responsibility--Violation as misdemeanor
(SD Codified Laws section 32-35-113)
TennesseeFinancial Responsibility
(TN Code Title 55, Ch. 12)
TexasMotor Vehicle Safety Responsibility Act
(TX Transportation Code Chapter 601)
UtahOperating motor vehicle without owner's or operator's security -- Penalty
(UT Code section 41-12a-302)
VermontMaintenance of financial responsibility
(23 VSA section 800)
VirginiaProof of insurance required
(VA Code section 46.2-706)
WashingtonLiability insurance or other financial responsibility required
(RCW section 46.30.020)
West VirginiaRequired security; exceptions
(WV Code section 17D-2A-3)
WisconsinVehicles--Financial Responsibility
(WI Code Chapter 344)
WyomingProof of financial responsibility
(WY Statutes Title 31, Ch. 9, Article 4)
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Most states require that you have a certain amount of liability insurance, and some also require that you have uninsured/underinsured motorist coverage.

If your vehicle is financed, you may also be required to have collision and comprehensive coverage on top of the state minimum requirements.

If you’re not required to have collision and comprehensive coverage, you may still want to consider purchasing them. If you have a newer or more expensive vehicle, it is even more highly recommended.

If you are looking to buy auto insurance, enter your ZIP code into our free quote comparison tool below to find an affordable auto insurance company.

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