If a Thief Decides to Target Your Car, Exactly How Much is Your Connecticut Auto Insurance Going to Pay for?

If a Thief Decides to Target Your Car, Exactly How Much is Your Connecticut Auto Insurance Going to Pay for?

You just got ripped off. Now what are you going to do about it?

It’s every music lover’s nightmare. You drive into the mall parking lot, park your car in front of your favorite ice cream parlor and lock your doors. Two or three hours of music-and-sugar induced bliss later, you roll back out to your car to find out that while you were gone, the neighborhood squirrels were very, very busy eating your car’s stereo electronics. Either that, or you’ve just been ripped off!

You know you need to let your Connecticut auto insurance provider know, but what are they really going to do about it?

Every Connecticut Auto Insurance Company is Just a Little Bit Different-but Not in a Bad Way

Before you decide to toss the entire mess in your insurance provider’s lap and walk the other way, it’s a good idea to find out exactly what they’re willing to cover. Since every company has its own policy when it comes to the electronics in your car we can’t give you a definite yes or no in the matter of your GPS, stereo system, Bluetooth and anything else the thieves that came knocking on your car windows (with crowbars) decided to take with them. You’re going to need to talk to your Connecticut auto insurance agent.

We can guarantee they’re going to fix the windows for you. Just in case you wanted to know.

Behold the Beauty of Doubling Up Your Insurance

Addendums and fine print aside, there’s a very good chance your auto insurance provider isn’t going to replace your car’s electronics, especially if it was something that didn’t come directly from the manufacturer. Upgrades aren’t always a good thing when it comes to your insurance! That’s the bad news. The good news is, your homeowners insurance company pretty much considers your car to be a rolling extension of your house, a step up from your kids’ wagon but not quite up there with the garage.

That means that all those electronics the little rodents decided to eat (only possible explanation) are going to be covered as part of your home insurance. You did remember to pick that up, didn’t you? If not, now’s as good a time as any. Otherwise those $2,000 speakers are going to be a complete waste of cash the minute you have to park in the wrong part of town.

How to Keep Your Car from Being Broken Into in the First Place

Your Connecticut auto insurance providers might be more than willing to help you repair and replace the pieces of your car that decided to disappear into thin air, but your auto insurance rates are going to pay the price. Since the last thing you really want is to have to pay more bills every month, make sure you:

a) Tuck your electronics out of sight. Better yet, take them with you!

b) Take off your stereo faceplate, if possible.

c) Keep your speakers covered

d) Lock your doors

every time you park your car.

When it comes to theft and your Connecticut auto insurance policy this is one of those cases where an ounce of prevention could be worth $200-300 worth of cure!

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