What Happens if Holiday Gifts Are Stolen From Your Car?
Be prepared for anything during the holiday season.
Will your auto insurance policy reimburse you if someone steals holiday packages out of your car?
No, but homeowners insurance protects your personal property in your home, in your car, or elsewhere. So homeowners or condo insurance may cover the stolen packages if you have personal property coverage. If you rent, your renters insurance may cover the loss. When filing a claim, pay your deductible and your insurance may pay the rest.
If the thief breaks a window or otherwise damages your vehicle, your auto insurance covers the repairs if you have comprehensive coverage.
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Does it matter if your car is unlocked?
If you leave your car unlocked, that negligence may be viewed as purposeful. Then it would be considered insurance fraud. Always put packages in the trunk, where they’re not visible to passersby. And keep your car locked to protect your personal property.
How do I file a claim?
To submit a claim, follow these steps.
- Review Your Insurance Policy
If the thief nabbed expensive jewelry, you’ll likely want to file a claim against your homeowners insurance. But if your deductible is greater than the value of the stolen gifts, filing a claim probably doesn't make sense. If the thief significantly damaged your vehicle, you should submit a damage claim with your auto policy. - File a Police Report
The police may ask for your driver’s license number, vehicle registration, proof of auto insurance, and a list of stolen items. If the thief damaged your vehicle, you may need to provide photos of the damage. - File a Claim With Your Insurance Company
File a claim against your homeowners or renters policy for the stolen packages. If a thief damages your vehicle and you have comprehensive auto insurance, submit a claim for vehicle repairs. In both cases, your insurance agent will need a copy of the police report and other information. Keep any receipts for the stolen gifts. - Be Prepared to Provide More Information
As your insurance company reviews your claim, they may have follow-up questions. If you submitted an auto insurance claim, you may need to provide auto shop estimates for the repairs. Keep any paperwork handy so you can answer any questions. Your insurance company will review your claim and, if it’s approved, compensate you for your loss.
How can you prevent thieves from stealing gifts from your car in the future?
The holiday season is prime time for package thieves. Protect yourself by taking these precautions during the holidays and throughout the year:
Park in Busy, Well-Lit Places
Thieves avoid places where they’re easily spotted.
Hide Any Valuables Out of Sight
If possible, don’t leave valuable personal items in your car. If you must, hide them and don’t be obvious as you do it. Thieves stake out public places, watching as drivers tuck packages under seats. If your car has a trunk, lock them inside right before you leave a destination.
Use Your Car Alarm or Anti-Theft Device
If a thief sees evidence of an alarm system, they might move on.
Unload Your packages as Soon as You Get Home
The less time your packages spend unattended in your car, the better.
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