Having your car stolen is more than an inconvenience—it’s stressful, disruptive, and expensive. It’s natural to wonder whether your Salt Lake City car insurance policy covers theft and, if so, what exactly is included.
Car Insurance and Theft: How it Works
Let’s break it down so you know what to expect and how to make sure you’re protected.
Coverage Depends on Your Policy Type
The most important thing to know is that not all auto insurance policies cover theft. If you only carry liability coverage, which is required in Utah, you’re not protected against theft.
Liability coverage pays for damages you cause to other people and their property—not your own vehicle.
To be covered for theft, you need comprehensive coverage.
Comprehensive insurance is optional in Utah but covers damage from non-collision events like theft, vandalism, hail, or falling objects.
If your vehicle is stolen or broken into, comprehensive insurance can help pay to repair the damage or replace your vehicle altogether—up to its actual cash value at the time of the loss.
What Does Comprehensive Coverage Include?
If your car is stolen and not recovered, your insurer will likely reimburse you based on the car’s current market value minus your deductible. Comprehensive coverage may pay for the repairs if your car is recovered but damaged.
In addition to theft of the vehicle itself, comprehensive coverage may also help with:
- Broken windows, locks, or ignition if the thief tried to steal the car
- Towing and storage fees if the stolen car is recovered
- Vandalism that occurred during the theft
Keep in mind that items inside the car, like laptops, phones, or personal bags, are not covered under your auto policy. Depending on your policy and deductible, those may be covered under your homeowners or renters insurance.
What Should You Do If Your Car Is Stolen?
If your car is stolen, act quickly:
- Call the police and file a report – You’ll need the report number to file your insurance claim.
- Contact ASA Insurance – Report the theft as soon as possible so we can guide you through the claims process.
Have your information ready – This includes your policy number, vehicle details, and a list of any stolen belongings.
The claims process can take time, especially if your vehicle isn’t quickly recovered. Your insurer will likely wait a certain period—often 7 to 30 days—before declaring the car a total loss.
Is It Worth Having Comprehensive Coverage?
Comprehensive insurance is usually a smart choice if you drive a newer or higher-value vehicle. Even in a relatively low-crime area like Salt Lake City, auto theft still happens—especially in parking lots or residential areas.
Before you decide to skip this coverage, ask yourself: Could I afford to replace my vehicle if it were stolen tomorrow? Comprehensive coverage may be worth the added cost if the answer is no.
Have Questions? We’re Here to Help
At ASA Insurance, we’ll walk you through your coverage options and make sure your policy reflects your needs. If you’re unsure whether your current car insurance covers theft, give us a call today for a free policy review.
