Michigan’s Peter Vitale On Auto Break-Ins and Insurance

Michigan’s Peter Vitale

(Photo : Michigan’s Peter Vitale On Auto Break-Ins and Insurance )

Nobody ever expects that their vehicle is going to be broken into, let alone stolen. Unfortunately, any vehicle owner can fall victim to these crimes. While it’s true that GPS tracking devices and other anti-theft technology have made break-ins and theft less common, Michigan’s Peter Vitale reminds insurance customers that these crimes still occur-and on a fairly regular basis.

For this reason, all drivers should be aware of the proper steps to follow in the event that they become victims of a car break-in or auto theft. In this article, auto insurance expert Peter Vitale offers an explanation of the role of comprehensive coverage in these scenarios, as well as what drivers should (and shouldn’t) do if they end up victims of either of these crimes.

Understanding Auto Insurance Coverage for Break-Ins and Thefts

What is Comprehensive Coverage?

Even more specifically, comprehensive coverage is designed to protect against things like theft, vandalism, break-ins, and even damage to a vehicle caused by “acts of god” (hail, for example). In some cases, comprehensive coverage may also protect against auto glass damage, such as a cracked windshield.

Does Comprehensive Insurance Cover Stolen Cars?

Likewise, depending on the amount of comprehensive coverage that is purchased, there is also a chance that the policy may only cover the car’s estimated value at the time of the theft. These are just a few things to keep in mind when shopping for comprehensive insurance.

What About Personal Items?

With all this in mind, it’s important for drivers to make sure they have adequate car insurance coverage to protect them in the event of a theft or break-in. Adding comprehensive coverage to an existing car insurance policy, Michigan-based insurance specialist Peter Vitale explains, is a great way to enjoy some added protection and peace of mind.

What to Do in the Event of a Car Break-In

Document as Much as Possible

Upon investigating further, it is also important to start taking inventory of things inside the car. If anything is missing, be sure to create a list of potentially stolen items; this information will be important for processing any insurance claims down the road.

File a Formal Police Report

Upon filing a police report, it is important to obtain a copy through the department directly. A copy of this will be required in order to process any insurance claims related to the incident.

Keep an Eye on Credit and Bank Accounts

File an Auto Insurance Claim

  • insurance ID/policy number
  • itemized list of damaged/stolen items
  • copy of a formal police report

Those filing an insurance claim should also be prepared to pay any deductible associated with their comprehensive coverage.

What to Do in the Event of a Car Theft

Make a Police Report

Start an Insurance Claim

When contacting an insurance agent to report a stolen car, some important things to have available include:

Notify the Department of Motor Vehicles

The Final Word on Auto Break-Ins and Car Insurance Coverage

Originally published at https://www.autoworldnews.com on June 23, 2021.

Entrepreneur, Insurance Consultant, Owner of Bloomfield Insurance Group

Entrepreneur, Insurance Consultant, Owner of Bloomfield Insurance Group