What Are the Best Auto Insurance Companies for Seniors? May car owners would agree that vehicle protections take much thought. Comprehensive Coverage Includes Catalytic Converter Theft. In somecases,the DPF (diesel particulate filter) is also stolen from diesel cars. Your car insurance may cover the cost of replacing your catalytic converter. Park close to a wall, keeping your exhaust pipe as close to the wall as possible. Get easy explanations for all your questions. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company. Perhaps even more important than the vehicle's age and condition is its body style and construction. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. Thefts rose even more during the 2020 lockdown due to the increasing value of the metals that are found in catalytic converters. Catalytic converters contain valuable components like platinum, palladium, and rhodium. The first and foremost is to install a security system in your car. Consider having your converter engraved with the car's VIN so it's easier to trace. It only takes a few minutes for a thief to steal a catalytic converter. You will need your license, registration, and insurance card. In addition, filing multiple claims could lead to an increase in your premiums later on. A car with a missing or defunct catalytic converter also doesnt filter exhaust properly, which means it wont pass inspection. What to do if your car is stolen or vandalized. Report a new claim or view the status of an existing claim, Continue as a guest to How Insurance Covers Catalytic Converter Theft, Comprehensive Coverage Should Cover Catalytic Converter Theft. Many insurance companies like State Farm, Progressive, AAA, and Farmers Insurance have comprehensive coverage which is coverage for circumstances outside of a car owners control. Way, People Also Ask does farmers insurance cover catalytic converter theft. Additionally, catalytic converters are relatively easy to steal for experienced thieves and it is impossible to track them if they are stolen. Get a personalized Health Insurance quote now. This makes the part identifiable to law enforcement. There are steps you can take to protect your vehicle from catalytic converter theft. Catalytic converter theft falls under theft and/or vandalism, and comprehensive coverage should cover it. By clicking Accept, you consent to the use of ALL the cookies. They are easy to steal: The catalytic converter is easy to access on most cars, which makes them an easy target for thieves. It does not store any personal data. In states like California, Texas, and Illinois, the average number of thefts per month rosefrom 652 in January 2020 to 2,347 by December of the same year. Compare rates from dozens of companies in less than 3 minutes. Compare quotes from the top car insurance companies and save. Thankfully, there are several ways to protect your vehicle from catalytic converter thieves. If you have comprehensive coverage, your insurance company will help you through the next steps in repairing or replacing your car, as needed. Advertiser Disclosure: We strive to help you make confident car insurance decisions. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company. Thats a staggering increase of 3900% in converter thefts! Web3. In somecases,the. Does home insurance cover damage from fallen trees? Catalytic converter theft may leave some owners panicked for answers with their insurance companies, but drivers can rest assured that there are many options. Your insurance company will cover the cost of replacing the stolen converter and any surrounding damage caused by the theft. Know which cars are higher targets for catalytic converter thieves. In some vehicles, such as larger cars, SUVs, and trucks, the loss of a catalytic converter can result in less low-end torque. If you have multiple vehicles, park the ones with lower ground clearance outside of the vehicles with higher ground clearance (like SUVs). A catalytic converter is a key automotive component that reduces harmful emissions. Any insurance policy premium quotes or ranges displayed are non-binding. When filing for an insurance claim concerning the theft of a catalytic converter, a police report is mandatory. Necessary cookies are absolutely essential for the website to function properly. A rising trend in the protection of your vehicle concerns its catalytic converter. The cookie is used to store the user consent for the cookies in the category "Other. 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. Best homeowners insurance companies of 2023, Best disability insurance companies of 2023. Not to mention an extremely important part of your vehicle. A little prep goes a long way. It is therefore important for people to do what they can to prevent theft of their catalytic converters. Provide as much detail as possible, referencing your insurance policy where appropriate. Do Not Sell or Share My Personal Information (CA Residents Only). If you discover your catalytic converter is missing, take your car to a repair shop and have it replaced as soon as possible. How Credit Affects Auto Insurance: A Study, Presidents Day 2023 Car Deals & How To Save on Insurance, Road Rage and Aggressive Driving in the U.S: A Study. Save my name, email, and website in this browser for the next time I comment. 2022-2023 MyCarVoice.com - Car Problems, Car Complaints, Recalls & News. Truth is, having your catalytic converter stolen is one of the most frustrating experiences a car owner can go through. Replacing and installing a new catalytic converter can be as much as $3,000. Does your insurance cover catalytic converter theft? document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); MyCarVoice.com is a crowdsource platform with the goal of helping owners with their car problems. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. The cost of comprehensive coverage varies depending on the company used and the state of residence. Which is why its crucial to know what your car insurance covers. Steps for filing a claim with your insurance company to replace your stolen catalytic converter The catalyst metal then converts potentially hazardous gases into safer alternatives. Contact your states insurance commissioner Most states will have a special unit to deal with issues such as unfairly denied insurance claims, or a mediation program that will help policyholders negotiate a disputed claim with their insurance provider. If you get under your car and see that there are missing pieces, often indicated by open holes, broken pipes, or missing bolts, you are the victim of theft. However, suppose your converter is worth $1,500 and your deductible is $1,000. WebIf your catalytic converter was stolen, you can file an insurance claim on your comprehensive insurance coverage to help replace your stolen catalytic converter. If you find your catalytic converter is missing, you should immediately contact the authorities. How can I prevent my catalytic converter from being stolen? Comprehensive coverage includes catalytic converter theft, which many car insurance companies offer. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[300,250],'mycarvoice_com-large-leaderboard-2','ezslot_9',606,'0','0'])};__ez_fad_position('div-gpt-ad-mycarvoice_com-large-leaderboard-2-0');But the good news is, if you have comprehensive car insurance, then any theft that occurs to your vehicle is covered. Your comprehensive deductible will apply to the claim, so if you have a $1,000 deductible and it costs $1,500 to replace the catalytic converter, the insurance company will write you a check for $500 and you will be expected to pay the rest out of pocket. New catalytic converters can be extremely costly for the same reason. Oxidation catalysts add oxygen to pollutants such as carbon monoxide (CO) to make it carbon dioxide (CO2). Comprehensive coverage will typically pay to replace the stolen catalytic converter and repair any related damage from its removal. Use our free car insurance quote tool above and get an idea of which car insurance companies meet your needs. Rachael Brennan After you pay your deductible, your insurance should cover the full cost of repairing or replacing your catalytic converter, up to the value of your vehicle or the limits of your policy. Larger converters, such as those found in trucks or vans, may cost more. Thieves also like being able to get under the car easily, which puts SUVs and trucks at particular risk. According to the Congressional Research Service, 14,433 catalytic converters were stolen in 2020. Catalytic converter thefts have increased to record highs in recent years. Our fact-checked articles are intended to educate insurance shoppers so they can make the right buying decisions. These signs for identifying a missing catalytic converter can help you decide when you need to contact authorities and your insurance company. The vehicle will also seem less responsive than usual and will lack acceleration. Not all products, coverages, & discounts are available in every state. Weve researched ways to help keep your car safefrom this type of theft. They will check local security cameras and work to see if they can help catch the person who stole your converter. Depending on the car and the condition of the catalytic converter, thieves can get quite a big payout for a relatively easy theft. What Are the Cheapest Auto Insurance Companies for 2023? Any gas-powered car made after 1975 can be a target, but the top vehicles for catalytic converter theft tend to be older cars because they have a larger amount of valuable metals in their catalytic converters. This is especially indicative if your other instruments note that your engine temperature and oil pressure are normal. Use our. These cookies ensure basic functionalities and security features of the website, anonymously. Get an alarm: A car alarm that responds to vibrations can let you know if someone is trying to steal your catalytic converter. How Much Is Car Insurance for 24-Year-Olds? Although all catalytic converters are valuable to thieves, they target some car makes and modelsmore than others. SmartFinancial can help you view free car insurance quotes in just minutes after you enter your zip code below and fill out a brief questionnaire. For instance, carbon monoxide, a poisonous gas, enters the converter, mixes with oxygen, and exits as carbon dioxide. Drivers who have their catalytic converter stolen can file a comprehensive claim and it will likely be covered, though you should check the details of your policy to verify what is and is not covered.. The National Insurance Crime Bureau reported catalytic converter thefts increased from roughly 1,300 in 2018, tomore than 52,000 in 2021. 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