The comprehensive coverage in your auto insurance policy typically covers you for a stolen vehicle loss. It may also help cover repairs to your vehicle if it is recovered damaged. You’d be responsible for your deductible in either situation.
However, some personal belongings that were in your vehicle (such as a removable GPS, car seat or laptop) may not qualify for coverage under your auto policy. Instead, you may need to file a claim under your homeowners or renters insurance policy or other applicable policies. Talk to your agent to make sure you have adequate coverage. To be covered for both your stolen vehicle and any belongings inside, you may need to file two separate claims and you may be responsible for two deductibles.
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