Does Auto Insurance Cover Theft?

Do you have a car? If you do, then you may have to pay for auto insurance.

Auto Insurance: What Is It?

Auto insurance protects against liability and damage costs incurred due to an accident or other incident with someone else’s vehicle (or property). This coverage typically includes bodily injury to others involved in the accident as well as damage done by your vehicle, such as collision repair, medical payments or hospital bills, and property damage. It is important to note that bodily injury liability can include any amount of medical bills incurred during the accident, regardless of who is at fault (up to the limit of your coverage). Auto insurance thus serves as protection in case you cause an accident and must pay damages, or in case you are sued because someone else caused an incident through negligent behavior.

What About Theft?

If you have comprehensive coverage, it can cover theft of your vehicle or damage done to it. Comprehensive coverage is also known as “other than collision” (OTC) and does not require a claim against someone else’s car to be valid. That means you’re covered if your car was broken into, vandalized, or stolen with no fault on your part. When you purchase a policy, be sure to read the fine print to determine exactly what you are and aren’t covered for.

What Happens If You Don’t Have Auto Insurance?

Driving without insurance is illegal in most states. It can lead to ticket fines or more severe legal penalties. Also, if you are involved in an accident and don’t have auto insurance, it’s possible that the other party can sue you for damages. Depending on what coverage your state requires and the severity of the accident, you might end up paying a lot for damage to someone else’s property or injuring them with no insurance to cover it.


If you are looking to purchase an auto insurance policy, it’s also a good idea to have adequate comprehensive coverage as well. You can contact [INSERT AGENCY] with further questions regarding obtaining this type of coverage. [INSERT AGENCY] has helped many [INSERT CITY] residents get the proper insurance they need.