Thieves also like being able to get under the car easily, which puts SUVs and trucks at particular risk. The National Insurance Crime Bureau reported catalytic converter thefts increased from roughly 1,300 in 2018, tomore than 52,000 in 2021. If concerned that your converter is at risk of being stolen, you may want to have a professional engrave your catalytic converter with your cars vehicle identification number or VIN. A common indication that your catalytic converter is missing is that your car is louder than usual while driving. What Are the Cheapest Auto Insurance Companies for 2023? Compare quotes from several insurance carriers to ensure that you get the best deal on your auto insurance overall. Most insurance companies will not raise premiums after a single comprehensive coverage insurance claim. Adding Extra Coverage with Life Insurance Riders, How Investing In Life Insurance Can Benefit Your Financial Strategy, Comparing Health Insurance Plans and Networks, Health Insurance Marketplace: A Guide to Coverage Options and Eligibility, Secondary Health Insurance: A Look at How It Works, Understanding The Differences Of Copays, Deductibles, and Coinsurance, Guide To Finding Health Insurance Coverage Between Jobs, Navigating The Health Insurance Subsidy System: A Beginners Guide, How To Choose the Right Medicare Plan for You, How to Get Better Dental Coverage from Medicare, Comprehensive Insurance: A Complete Overview, Understanding High-Risk Auto Insurance: Who Needs It and Why, Pay Per Mile Car Insurance: A Perfect Fit For Low-Mileage Drivers, What is an Insurance Peril? Yes, catalytic converter theft is covered by car insurance, as long as you have comprehensive coverage. This includes replacement of a stolen catalytic converter. However, you should keep in mind that Collision Coverage does not cover you in the even of an auto accident involving an animal. Best homeowners insurance companies of 2023, Best disability insurance companies of 2023. above and get an idea of which car insurance companies meet your needs. Catalytic converters are fitted on petrol, diesel, and hybrid cars. Jones says an anti-theft device can help. Comprehensive Coverage Includes Catalytic Converter Theft. Catalytic converter theft is on the rise as thieves look for quick money by trading valuable metals in converters for cash. The, Cars with a high ground clearance making access easier are also targeted, including vans and 4x4s. Does insurance cover catalytic converter theft? When evaluating rates, please verify directly with your insurance company or agent. Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. Instead, you should be able to make a claim and continue to pay the same rates for car insurance. How to Protect Your Catalytic Converter From Theft. Comprehensive coverage is optional in all states and is part of full coverage car insurance. If your catalytic converter gets stolen, you must replace it. , it is imperative to decrease the risk of future thefts as much as possible. Car insurer Admiral said the. Thieves use a saw or wrench to remove your catalytic converter. What cars are targeted for catalytic converter theft? Chat now to ask Flo anything or explore commonly asked questions. Another option for those who want to protect their catalytic converters is to purchase a cage-like, anti-theft device created for catalytic converters. Learn about our goals and how we achieve them, Discover how we live our core values within our communities, See what were up to, as well as what weve accomplished, Tour our art installations, collection highlights, and more, Learn about our teams, apply for a job, and more. Drivers who dont have comprehensive insurance wont be covered for any kind of car theft and will have to pay out of pocket to get a replacement.
Using powertools,the thieves can get away with your catalytic converter in just a couple of minutes.
Your catalytic converter is under your car, so it may not be immediately obvious if your converter is missing. The Growing Problem of Catalytic Converter Theft, How to Check if Your Catalytic Converter Has Been Stolen, How to File a Claim for Catalytic Converter Theft, How to Protect Your Cars Catalytic Converter From Theft, from 652 in January 2020 to 2,347 by December of the same year, The Importance of Meeting Insurance Requirements for Financed Cars, The Most Dangerous Times to Drive in Every U.S. State, Be Your Own Pit Crew: Maintenance Tasks to Keep Your Car Running, Do Not Sell nor Share My Personal Information. Park your car in a well-lit area, or install motion-sensitive lights around your house to deter thieves. . You cannot drive without a catalytic converter. Nerves aside, we are here to help. Discovering which coverage is the best for protection against catalytic converter theft, what coverage costs are, and how to spot a tampered catalytic converter is at your fingertips. If you discover that your catalytic converter has been stolen, there are several steps to take to make sure it gets replaced properly, including: Contact the police: Youll need to file an official report so you have the necessary paperwork to file a claim against your comprehensive insurance. Car insurance companies have put in provisions across the board to handle the rising threat of catalytic converter thieves and offer advice on spotting tampering or theft. In 2018, there were 1,300 reported thefts; in 2021, there were more than 52,000. Depending on how the catalytic converter was removed from your car, there may be other damages that were caused by the theft that need to be included in your quote. However, if your motor is noisier, it is time to look for other signs. 124 Local Experts Are Waiting to Hear From You To learn more about auto insurance policies, contact our experts at 1-800-615-5897 or get a quote online in 5 minutes! If you have comprehensive coverage on your auto insurance policy, then you're typically covered against catalytic converter theft. Catalytic converter thefts have increased to record highs in recent years. with Insurance Panda. You can find your catalytic converter on the underside of your vehicle. Catch what's new from Progressive online, on TV, and on the road. Yes, a car can run without a catalytic converter, but in most states it is illegal and your car wont pass inspection without one. Ford Check Engine Light. What Are the Best Auto Insurance Companies for Seniors? Without the catalytic converter to stop these emissions, the scent will not be that of a typical car but instead much more pungent. The cookie is used to store the user consent for the cookies in the category "Analytics". 4. Former Auto Insurance Claims Manager. What did you do? Some automakers install the converter with bolts while others weld it in place. Catalytic converter theft falls under theft and/or vandalism, and comprehensive coverage should cover it. Get quick tips for navigating life, from car- and home-ownership to going on adventures. Comprehensive coverage includes catalytic converter theft, which many car insurance companies offer. Car insurance companies have put in provisions across the board to handle the rising threat of catalytic converter thieves and offer advice on spotting tampering or theft. And for good reason, converters are extremely expensive to replace. Larger converters, such as those found in trucks or vans, may cost more. The hybrid models often targeted for catalytic converter theft include the older model Toyota Prius, Toyota Auris, Honda Jazz, and the Lexus RX. The number of catalytic converter thefts in the United States. The technology wasn't as refined for older cars, so their catalytic converters can have more metals than newer ones. Copyright Ocean Finance 2001-2023. Progressive Casualty Insurance Company. But as well as the cost of replacing the converter you may have to fix any damage done to your car during the theft. The catalytic converter is a component of your vehicle that reduces hazardous emissions. Read our editorial standards for Answers content. Copyright 2012-2023 Insurance Panda. Will a Citation Impact My Insurance and Driving Records. Drivers who have comprehensive coverage as part of their car insurance policy are covered for catalytic converter theft.
Depending on your coverage options, you may receive compensation for catalytic converter theft from your insurer. Be prepared to Christa Ehrler is a wordsmith, copywriter, and traveler with over seven years of digital publishing experience. This vital component was added to vehicle manufacturing in the 1970s and has become a mandatory part of the automobile industry. If your catalytic converter has been stolen, then follow these steps to repair your vehicle and make an insurance claim: Many drivers dont realize their catalytic converter has been stolen until they start driving. Even vehicles shipped from overseas must have a compliant catalytic converter; if it lacks one, a new one is usually installed before sale. Because hybrids are partly powered by electricity, the converters found on hybrid cars are usually in better condition than on non-hybrid cars. Copyright 2001-2023|CarInsuranceCompanies.com|113 Cherry Street, #37960 Seattle, Washington 98104-2205|Privacy Policy|Terms & Conditions|CCPA. James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. Few people check their catalytic converter before starting their vehicle. We do our best to ensure that this information is up-to-date and accurate. Weve researched ways to help keep your car safefrom this type of theft. Get an alarm: A car alarm that responds to vibrations can let you know if someone is trying to steal your catalytic converter. Catalytic converter theft may leave some owners panicked for answers with their insurance companies, but drivers can rest assured that there are many options. Does farmers Identity Shield cover identity theft? Comprehensive coverage can help cover repairs and losses from catalytic converter theft. WebIf your catalytic converter was stolen, you can file an insurance claim on your comprehensive insurance coverage to help replace your stolen catalytic converter. report a claim
If thieves steal your catalytic converter, then you should be able to make a claim under your comprehensive coverage. Dont Get Burned by Catalytic Converter Theft: Is Your Insurance Enough? Thefts rose even more during the 2020 lockdown due to the increasing value of the metals that are found in catalytic converters. Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. If your vehicle has been targeted, there are some obvious signs to look for. As a result, toxic gases are no longer being converted into less dangerous alternatives. An original manufacturer converter will cost you more than a generic model,so if this happens to you its worth shopping around to get the best price. Call your insurance agent. Generally speaking, if you have comprehensive auto insurance, you will be covered for catalytic converter theft. Bolt-on converters are easier to steal, so concerned owners should check to see how their converter is attached. 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