Does Liability Car Insurance Cover Theft?

Liability car insurance is one of the most common types of car insurance for vehicles. It is usually included in standard car insurance policies and provides coverage for any damage caused by the driver of a car to another person or property. But does liability car insurance cover theft? The answer is: it depends.

What is Liability Car Insurance?

In order to understand if liability car insurance covers theft, it is important to understand what liability car insurance is. Liability car insurance provides coverage for financial losses incurred by another party due to the negligence of the insured driver. It covers medical bills, property damage, and other costs associated with the negligent driver. It does not cover damage to the insured vehicle, however.

Does Liability Car Insurance Cover Theft?

The answer to the question of whether or not liability car insurance covers theft depends on the type of car insurance policy that you have. Generally, liability car insurance does not cover theft. In order for theft to be covered, you would need to purchase comprehensive car insurance, which covers theft in addition to liability coverage.

Comprehensive Coverage

Comprehensive car insurance is the type of coverage that will provide protection for theft. It provides coverage for theft of the car, damages to the car due to theft, and any other damages that are not caused by the driver of the car. It is important to note that comprehensive car insurance also covers any damage to the car caused by other perils, such as fire, weather, and vandalism.

How Much Does Comprehensive Car Insurance Cost?

The cost of comprehensive car insurance will depend on a variety of factors, such as the value of the car, the age of the driver, and the driving history of the driver. In general, comprehensive car insurance will cost more than liability car insurance because it provides more coverage. Additionally, some insurance companies may offer discounts for drivers who have a good driving record.

Conclusion

Liability car insurance does not cover theft, but comprehensive car insurance does. Comprehensive car insurance is more expensive than liability car insurance, but it provides more protection and can save you money in the long run. If you are looking for coverage for theft, make sure to get comprehensive car insurance instead of liability car insurance.