Reader’s Question:

If I have collision and comprehensive on my vehicle. Last night someone stole my money from my car. Will on this be covered?

Harry

Bristol, CT

No, most car insurance policies would not cover any money stolen out of your automobile. Personal items in your car are not normally covered by your vehicle insurance coverages if they are stolen.

If the vehicle itself was stolen your comprehensive coverage will cover the vehicle. Even under this comprehensive coverage though any money was taken it would not be covered if stolen from your automobile. Personal items taken from a vehicle are usually just not covered by a typical car insurance policy.

You may see if homeowners or renters policy will cover this. Remember that most car insurance policies have a $1000 coverage limit on expensive personal things such as cameras, musical instruments, jewelry, furs, and fine art. You may be able to buy additional coverage for these personal items if you find think this is needed. You will have to speak with your car insurance agent for renter’s or homeowner’s insurance regarding this.

Tags: auto insurance, collision insurance coverage, comprehensive insurance coverage