Homeowners Insurance

Is property that was stolen from the alley just outside of your house covered with homeowners insurance?

Thanks for your question. Whether or not your property is covered really depends on your homeowners insurance company.

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Coverage & Claims

My car was impounded and everything in it was stolen, does my car insurance cover my car's contents?

It depends when the items were stolen and why the car was impounded. If the items were stolen while under the possession of a company or the city, I would feel they are responsible for the recovery.

Coverage & Claims

Do I claim my stolen vehicle with Lyft or Geico?

This can depend. Most car insurance companies work together with Lyft/Uber in order to provide coverage as long as you have a rideshare endorsement. Below is a break down of how the coverage works.

Coverage & Claims

What happens if a stolen vehicle is recovered before the insurance payout?

You need to report to the insurance company, that the car was recovered right away. The insurance should cover you for any damage that was caused, like having the keys stolen.

General Insurance

My car was stolen - what insurance do I need?

There seems to be some confusion on what coverage would be used to reimburse you for your stolen car! Yes, you're right: Uninsured motorist coverage would cover your car, if someone hits you that does not have insurance or in the event of a hit and run. This does not apply to a stolen car.

Car Insurance Costs

My musical equipment stolen from friend's house covered by insurance

This can be tricky. From my experience, most home insurance policies will cover stolen property even if it's not the property of the named insured (your friend) but I would consult their policy declarations page to be sure.

Coverage & Claims

My liability only car was hit by a stolen vehicle

Unfortunately, the owner of the vehicle that was stolen isn't liable because the fact they didn't give permission to the driver negates any coverage. The individual who stole the vehicle and caused the damage is responsible.

Coverage & Claims

My son stole my car how does the insurance work

If you have comprehensive coverage, you are able to file a claim. Unfortunately, your insurance company will require you file a police report because you are claiming the vehicle is stolen.

Coverage & Claims
General Insurance

Car got stolen and only have gap insurance

Gap insurance only covers difference between what an insurance company paid out and what remains on your loan. If you did not have insurance at the time of the claim they likely will not honor anything.

Coverage & Claims

How do I prove my car was stolen?

Your proof of a stolen vehicle is the police report. You will need to call the police, if you haven't already, and report the vehicle as stolen.

Coverage & Claims

How long can you wait to file an auto insurance claim?

Each state has varying statutes on how long you have after damage occurs to file a claim. In Maryland, you actually have up to 3 years to file a property damage claim, although I would not recommend waiting that long as it can be difficult for your insurance company to properly assess the damage.
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