Car theft isn’t just inconvenient; it’s personal. It can happen in a parking lot, a driveway, or even outside a busy store. When it does, the big question becomes what your insurance through D & E Insurance Agency, serving Muskogee, OK, will cover once the car is found (or if it isn’t found at all).
Understanding Comprehensive Coverage
If your policy includes comprehensive coverage, you’re in much better shape. This is the part of auto insurance that handles theft and the damage that often comes with it. Maybe the thief smashed the ignition, tore out wiring, or wrecked a door panel trying to break in. Comprehensive coverage typically pays for those repairs, minus your deductible. If the car never turns up, it covers the vehicle’s actual cash value, which is its market worth right before it was stolen.
When Liability Coverage Isn’t Enough
Oklahoma law requires liability coverage, but that only protects others from damage or injury you cause. It doesn’t do a thing for theft or vandalism to your vehicle. That’s why many car owners, especially those with newer or higher-value cars, add comprehensive coverage. It’s an extra cost that ends up feeling like cheap protection when the worst happens.
What To Expect After a Theft
Once you’ve reported the theft to the police and your insurance company, the process moves quickly. Your insurer investigates, confirms details, and determines whether the vehicle is repairable or a total loss. Items inside the car, like laptops or tools, are usually not covered under auto insurance but might fall under a homeowners or renters policy.
For Oklahoma drivers, theft protection is smart and practical. Comprehensive coverage keeps you from paying out of pocket for someone else’s crime and helps you get back behind the wheel faster. Contact your insurance representative at D & E Insurance Agency, serving Muskogee, OK, to learn more.
