This makes it difficult for a thief to access your catalytic converter. Since the cost of fixing a vehicle after catalytic converter theft without your insurance companys assistance can easily be more than several thousand dollars, it is imperative to decrease the risk of future thefts as much as possible. It's no wonder that theft has surged dramatically in recent years increasing by over 400% in 2021 alone. Collision insurance, on the other hand, will not cover catalytic converter theft. In somecases,the DPF (diesel particulate filter) is also stolen from diesel cars. The short answer to the question of 'is catalytic converter theft covered by insurance' is typically yes, provided you have full coverage or, Depending on the situation and your insurer, you may be asked to get an. Chat now to ask Flo anything or explore commonly asked questions. Here are some ways to protect yourself and prevent theft: Paint your catalytic converter orange to make it more visible or place a cage around it, Park in a well-lit area with the exhaust pipe as close to a wall as possible to make it less easy to gain access to, Engrave your VIN (vehicle identification number) or license plate number on the catalytic converter, Ensure that your alarm or anti-theft device is set to respond to vibrations, Install motion-sensitive sensors and cameras in your driveway. If your catalytic converter has been stolen, you can file a comprehensive claim. Does your insurance cover catalytic converter theft? Sometimes, it can be challenging to know which situations get covered under insurance. Catalytic converters are essential and have the. Thieves then sell it to a scrap metal yard, which will then sell it to someone else who can remove and recycle the precious metals. 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. Our goal is to give you back your freedom and peace of mind to drive and park your vehicle anywhere you want. Plan for your familys future. Why are catalytic converters so expensive? Does your insurance cover catalytic converter theft? By clicking Accept, you consent to the use of ALL the cookies. WebDoes this include catalytic converter theft? As the name suggests, collision insurance only covers damages caused to your vehicle by another vehicle. Depending on the replacement cost, you can determine if using your comprehensive insurance makes sense or if you want to pay out of pocket. Our opinions are our own. There are some available for as little as $300-$400, but those often dont work at all and, when they do, they wear out very quickly. The most commonly targeted cars within the last three years are: Many thieves target tall cars like SUVs and trucks since they are easier to access. Any car with a catalytic converter can be targeted, but some cars are more common targets than others. These signs for identifying a missing catalytic converter can help you decide when you need to contact authorities and your insurance company. We are not responsible for the content of any third-party sites linked from this page. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. How Much Does it Cost to Replace a Stolen Catalytic Converter? Other types of auto insurance wont. Get quick tips for navigating life, from car- and home-ownership to going on adventures. Itll depend on your insurance policy but if the theftiscovered by your insurance,youll need to consider the excess thats payable. 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 new claim or view the status of an existing claim, Continue as a guest to The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". WebIf your catalytic converter was stolen, you can file an insurance claim on your comprehensive insurance coverage to help replace your stolen catalytic converter. The more expensive a catalytic converter is to replace, the more likely it is to be targeted by thieves, but many catalytic converter thefts are simply crimes of opportunity. Comparison shopping should be easy. The idea is that a thief who sees the etching moves on to an . Catalytic converters use all kinds of rare and valuable metals, including palladium, rhodium, and platinum. A little prep goes a long way. Theft can occur in just under two minutes with easily acquired tools. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company. Here are 6 common signs to look for: This sign offers certainty that something has been removed from your car and in most cases, it is your catalytic converter. Additionally, the police will be able to provide a report which may be helpful in getting insurance to cover the replacement expenses. [1] A combination of the valuable metals used inside catalytic converters and supply chain issues that make catalytic converters harder to get have spurred an increase in catalytic converter theft across the country. Using powertools,the thieves can get away with your catalytic converter in just a couple of minutes. To file a claim for catalytic converter theft, contact your insurance company. Now that you know what a catalytic converter is, what it does, and how to tell if yours has been stolen, you can evaluate your risks and decide if comprehensive coverage is right for you. Quotes and offers are not binding, nor a guarantee of coverage. Do You Need It? The car wont drive smoothly, it will accelerate loudly, and it will generally sputter and jolt as you speed up while driving.. Look for catalytic converter protection devices online or in stores. This combination makes catalytic converters a popular target for thieves. Tell your insurance agent as soon as possible that your catalytic converter has been stolen and that youve filed a police report. Get a personalized Home Insurance quote now. Not all products, coverages, & discounts are available in every state. How to Protect Your Catalytic Converter From Theft. You may also notice a foul odor from the unclean exhaust now exiting the vehicle. File a claim with your insurance: If you have comprehensive insurance coverage, you can file a comprehensive claim with your insurance company to cover the damage. 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. However, suppose your converter is worth $1,500 and your deductible is $1,000. Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center. The number of catalytic converter thefts in the United States. The number of catalytic converter thefts in the United Statesjumped from around 3,000 to nearly 14,500 over a single year. They contain rhodium, palladium, and platinum, and its the value of these metals that are making them attractive to thieves - theyre all precious metals that are more valuable than gold. Will a Citation Impact My Insurance and Driving Records. That year, the most frequently stolen vehicles were Ford pickup, Ram pickup, Jeep Cherokee, Nissan Sentra and Dodge Charger. We do our best to ensure that this information is up-to-date and accurate. If your cars rear is inaccessible, thieves will be less likely to target your vehicle since the converter will be harder to get. Install a cage around your catalytic converter. If someone steals your catalytic converter, you may be able to claim it under your comprehensive auto insurance policy. Not to mention an extremely important part of your vehicle. His shop installs one by bolting a metal shield to the vehicle frame to cover the catalytic converter, which costs about $350, including installation. Thieves often target them because they contain valuable heavy metals. Why Do People Steal Catalytic Converters? In some cases,and especially on older cars, the repair will cost more than the car is worth. Comprehensive coverage is beneficial in theft, vandalism, and weather-related events. Rhodium . If you have comprehensive coverage on your auto insurance policy, then you're typically covered against catalytic converter theft. 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. Analytical cookies are used to understand how visitors interact with the website. The more quotes you compare, the more chances to save. Your car insurance policy may cover catalytic converter theft if you purchased comprehensive coverage for your car. Adjust your car alarm settings to react to vibrations. Thus, the initial tell of a stolen catalytic converter is a very loud startup and running sound. Full coverage car insurance includes liability coverage, comprehensive coverage, and collision coverage. That makes it harder for a thief to reach the catalytic converter. In some cases, your insurance may cover this cost if you have the right coverage type. This vital component was added to vehicle manufacturing in the 1970s and has become a mandatory part of the automobile industry. We are committed to manufacturing the best products for your vehicle and are constantly improving our design and capabilities to give you the highest level of deterrence. An annual cost of $100 to $300 ($8 to $25 a month) can They will work to see if they can help catch the person who stole your converter. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. 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does farmers insurance cover catalytic converter theft