The Grand Strand has recently seen a noticeable increase in vehicle break ins, leaving many drivers frustrated and unsure of what to do next. Whether items were stolen, windows were damaged, or your car was rummaged through, it is important to understand how situations like this affect your auto insurance coverage. Knowing what your policy covers, what steps to take, and how to protect yourself going forward can help reduce stress after an incident.
Does auto insurance cover vehicle break ins?
Break ins are usually covered under comprehensive insurance. This portion of your policy protects you from non collision losses such as theft, vandalism, and broken windows. If your car was damaged or items were taken, comprehensive coverage is what you would use to file a claim.
What is typically covered
- Broken windows or damaged locks
- Damage to the body or interior caused by forced entry
- Stolen parts attached to the vehicle, such as airbags, catalytic converters, or stereos
- Key replacements if they were taken
What is not covered
Personal belongings inside the vehicle such as purses, wallets, laptops, tools, or equipment are not covered under auto insurance. These items are usually protected under a homeowners or renters policy instead.
Will a break in affect my insurance rate?
Comprehensive claims do not typically cause rates to increase the same way at-fault accidents do. However, multiple claims within a short period may affect pricing. It is a good idea to review the value of the damage against your deductible before filing.
What to do after a break in
- Take photos of all damage
- Contact law enforcement and file a police report
- Make a list of stolen or damaged items
- Notify your insurance agent to review your coverage and discuss next steps
How to reduce the risk of future break ins
Most break ins in the area are crimes of opportunity. Simple precautions can make a difference.
- Lock your doors and close all windows
- Avoid leaving valuables in view
- Park in well-lit areas or garages when possible
- Consider adding an alarm or dash camera
- Remove spare keys from the vehicle
As break ins continue to rise throughout the Grand Strand, staying informed and prepared is essential. Moore and Associates Insurance is here to help you understand your policy, review your coverage, and make sure your vehicle is protected.