Does My Car Insurance Cover Catalytic Converter Theft?

Car catalytic converters are one of the most commonly stolen parts from cars, due to their high-value metals. If your car has been damaged or stolen due to catalytic converter theft, you may be wondering if your car insurance will cover the costs. Unfortunately, car insurance does not typically cover theft of catalytic converters, as it is considered a form of vandalism. However, there are a few ways that you may be able to get some coverage.

Comprehensive Coverage

Comprehensive coverage is an optional type of car insurance that covers damages to your car due to non-collision causes, such as theft, vandalism, fire, and weather. Depending on your car insurance provider, comprehensive coverage may cover the cost of replacing a catalytic converter that was stolen from your car. However, it is important to note that comprehensive coverage typically comes with a deductible that you will need to pay out of pocket before your insurer will cover any costs.

Extended Warranty

If you purchased an extended warranty for your car, it may cover the cost of replacing a stolen catalytic converter. An extended warranty is a type of service contract that covers repairs and replacements of certain parts in your car after the manufacturer’s warranty has expired. If you purchased an extended warranty that covers theft, it may cover the cost of replacing a catalytic converter that was stolen from your car.

Gap Insurance

Gap insurance is an optional type of coverage that covers the difference between what you owe on your car and what your car is worth, in the event of a theft or total loss. If you have gap insurance and your car is stolen, it may cover the amount that is not covered by your car insurance policy. However, it is important to note that gap insurance only covers the difference between what you owe and what your car is worth, so it may not cover the full cost of replacing a stolen catalytic converter.

How to Prevent Catalytic Converter Theft

The best way to prevent catalytic converter theft is to take precautionary measures. Installing a security system in your car, such as an alarm system or a GPS tracking device, can help deter thieves from targeting your car. Additionally, parking your car in a well-lit and secure area can also help protect your car from theft. Finally, investing in a catalytic converter lock can also help protect your car from theft.

The Bottom Line

Car insurance does not typically cover catalytic converter theft, as it is considered a form of vandalism. However, there are a few ways that you may be able to get some coverage, such as comprehensive coverage, an extended warranty, or gap insurance. Additionally, taking precautionary measures, such as installing a security system in your car or parking it in a secure area, can help protect your car from theft.