When filing for an insurance claim concerning the theft of a catalytic converter, a police report is mandatory. However, your insurer may raise rates if you have had multiple comprehensive coverage claims in recent months. Insurance doesn't have to be complicated. Sign up for tips on how to improve your credit score, offers and deals to help you save money, exclusive competitions and exciting products! Yes, Catalytic converter theft is usually covered by comprehensive auto insurance if the insurance package you have is an all-inclusive comprehensive plan. Catalytic converters typically turn vehicle exhaust white or pale gray. Finally, it would be best to have your car serviced by a professional. It only takes a few minutes for a thief to steal a catalytic converter. Drivers who have already started driving, or did not notice these two initial signs, may find that their car is not as responsive as it should be. If you notice that your vehicle is struggling in these areas, check to see if your converter is still in place. May car owners would agree that vehicle protections take much thought. This is especially indicative if your other instruments note that your engine temperature and oil pressure are normal. SmartFinancial Offers Unbiased, Fact-based Information. Insurance covers catalytic converter theft if you have comprehensive coverage. Compare rates and shop affordable car insurance today. Written by Considering the cost to replace and repair any damage, it may be in your best interest to protect yourself with comprehensive auto insurance just in case. Confirm with your insurance company about whether your auto insurance policy has catalytic converter theft coverage. 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. Provide as much detail as possible, referencing your insurance policy where appropriate. Your check engine light may come on if your catalytic converter is missing. This is because metals degrade as they filter pollutants from exhaust, and hybrids have lower emissions than gas-powered cars. Steps for filing a claim with your insurance company to replace your stolen catalytic converter Even if your state does not enforce emissions standards, driving without a catalytic converter is illegal and considered a serious offense. There are several steps you can take to prevent someone from stealing your catalytic converter:. If you are driving with your windows down and start to experience these symptoms, your catalytic converter may be missing. Are 2-Door Cars More Expensive to Insure? Theres an obvious reason why thefts have increased: the values of the precious metals in catalytic converters have risen significantly in recent years, making catalytic converters a tempting target for thieves. Contact us for answers. For example, SUVs, trucks, and hybrids tend to be the best cars for thieves to target because of the catalytic converters value and ease of access. This vital component was added to vehicle manufacturing in the 1970s and has become a mandatory part of the automobile industry. Get a catalytic converter lock: There are several types of cage-like locks that fit around your catalytic converter, making it more difficult and time consuming for a thief to try to steal it.. Your insurance company can explain the next steps to take like visiting a local repair shop and paying your deductible. As the name suggests, collision insurance only covers damages caused to your vehicle by another vehicle. 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. By Sarah Beresford Using powertools,the thieves can get away with your catalytic converter in just a couple of minutes. They are easy to steal: The catalytic converter is easy to access on most cars, which makes them an easy target for thieves. Yes, a car can run without a catalytic converter, but in most states it is illegal and your car wont pass inspection without one. Yes. Additionally, the police will be able to provide a report which may be helpful in getting insurance to cover the replacement expenses. Insurance covers catalytic converter theft if you have comprehensive coverage. Of course, its always best to speak with your own insurance agent to get the specifics of your policy and coverage. A typical engine will not draw too much attention. However, if your motor is noisier, it is time to look for other signs. The large hole of a missing catalytic converter will contribute to both the noise and the smell. Does home insurance cover damage from fallen trees? While your car will not break down without a converter, you may face fines for driving without one installed. Its important to note that different insurance companies have different policies when it comes to covering theft. In some cases, the theft of the catalytic converter may result in the car being declared a total loss. If you are using a screen reader and are having problems using this website, please call 1-855-695-2255 for assistance. Thieves use a saw or wrench to remove your catalytic converter. If you have comprehensive coverage on your auto insurance policy, then you're typically covered against catalytic converter theft. Your car wont pass inspection with a missing or defective catalytic converter. Fast auto insurance quote comparison.See rates instantly. Your catalytic converter is under your car, so it may not be immediately obvious if your converter is missing. Oxidation catalysts add oxygen to pollutants such as carbon monoxide (CO) to make it carbon dioxide (CO2). Emissions enter the catalytic converter and pass through a metal-coated ceramic honeycomb inside. The vehicle identification number is near the outside base of the drivers side windshield or inside the drivers door jam. It has been a requirement for all vehicles since 1975 and is made up of a metal honeycomb that filters and transforms hazardous compounds in the exhaust into a safer gas. Gather evidence This can include police reports, any eyewitness information, photographs or other supporting evidence. Consider having your converter engraved with the car's VIN so it's easier to trace. (Bellevue, WA) or affiliates. Because, until you hit the deductible amount, you and only you are responsible for covering repair costs on your vehicle. And for good reason, converters are extremely expensive to replace. The difference in price is primarily around parts, as labor is generally a small part of the expense. Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. What Are the Cheapest Auto Insurance Companies for 2023? We do our best to ensure that this information is up-to-date and accurate. A common indication that your catalytic converter is missing is that your car is louder than usual while driving. We don't sell your information to third parties. 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. Licensed Agent for 15 Years. WebFarmers Identity Shield. So knowing how you can protect your vehicle can be key. If your converter is stolen, your insurance may cover the theft, depending on the circumstances and the type of policy youve purchased. The number of catalytic converter thefts in the United Statesjumped from around 3,000 to nearly 14,500 over a single year. Catalytic converter theft falls under theft and/or vandalism, and comprehensive coverage should cover it. If a hole and evidence of tampering are present, your catalytic converter is likely missing. What Is Permanent Life Insurance and How Does It Work? Its found between the engine and the muffler. Comprehensive Coverage Includes Catalytic Converter Theft. All insurance rates, products, and services are presented without warranty and guarantee. If you dont have comprehensive insurance, youll need to pay for the repair out-of-pocket. Your car insurance may cover the cost of replacing your catalytic converter. Installing one that includes lights and indicators can deter thieves who will not find setting off the cars alarms worth the hassle. His shop installs one by bolting a metal shield to the vehicle frame to cover the catalytic converter, which costs about $350, including installation. What happens to your car if someone steals your catalytic converter? A little prep goes a long way. Comprehensive coverage includes catalytic converter theft, which many car insurance companies offer. or Do You Need It? Catalytic converter theft may leave some owners panicked for answers with their insurance companies, but drivers can rest assured that there are many options. 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. Without the catalytic converter to stop these emissions, the scent will not be that of a typical car but instead much more pungent. A car without a functional catalytic converter will make a loud sound as you accelerate, drive rough, and sputter as you change speeds. Does insurance cover catalytic converter theft? , it is imperative to decrease the risk of future thefts as much as possible. All rights reserved. If youre a recent victim of catalytic converter theft, then you might be wondering what your recourse should be. Yes, we have to include some legalese down here. Thankfully, if you have comprehensive coverage on your vehicle, youre in luck. Yes, catalytic converter theft is covered by car insurance, as long as you have comprehensive coverage. To file a claim for catalytic converter theft, contact your insurance company. Still have questions? The first and foremost is to install a security system in your car. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. However, you should keep in mind that Collision Coverage does not cover you in the even of an auto accident involving an animal. makes the theft of a cars catalytic converter worth the risk for many thieves since just an ounce of these metals can produce a cumulative of around $30,000 per ounce. These cookies ensure basic functionalities and security features of the website, anonymously. Look for catalytic converter protection devices online or in stores. How Does a Catalytic Converter Get Stolen? Park close to a wall with the exhaust pipe closest to the wall. Is long-term disability insurance worth it. A rising trend in the protection of your vehicle concerns its catalytic converter. How Much Does It Cost To Refinance A Home? Not to mention an extremely important part of your vehicle. Nerves aside, we are here to help. If approved, your insurer covers the cost of the new converter minus the deductible, which you pay out of pocket. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience. 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. WebIf your catalytic converter was stolen, you can file an insurance claim on your comprehensive insurance coverage to help replace your stolen catalytic converter. Will My Insurance Premiums Rise After a Catalytic Converter Insurance Claims? Weve researched ways to help keep your car safefrom this type of theft. Report a new claim or view the status of an existing claim, Continue as a guest to You may be asked to provide the case number of the report so the agent can follow up. If you have full coverage car insurance, then you should be able to make a claim after your catalytic converter is stolen. Insurance carrier website ranking by Keynova Group Q4 2022 Online Insurance Scorecard. With identity theft becoming more common and costly, having Farmers Identity Shield may give you some peace of mind for only pennies a day. Comprehensive car insurance covers theft-related problems, including stolen cars and stolen car parts (like a catalytic converter). Christa Ehrler is a wordsmith, copywriter, and traveler with over seven years of digital publishing experience. Larger converters, such as those found in trucks or vans, may cost more. Catalytic converters reduce the impact of harmful gases created by engine emissions. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. These large repair bills can be impossible for some motorists to meet. Especially with the surge in catalytic converter thefts. She is a Fran Majidi manages content on SmartFinancial's website. Converters may also combine hydrogen (H) and oxygen (O) to create water vapor (H2O). What cars are targeted for catalytic converter theft? Tips For Troubleshooting. This That year, the most frequently stolen vehicles were Ford pickup, Ram pickup, Jeep Cherokee, Nissan Sentra and Dodge Charger. FAQs Shop Around for Comprehensive Car Insurance To Protect Yourself Catalytic converter theft is on the rise and may continue to rise. the comprehensive coverage available on the market. Stolen catalytic converters are currently worth up to. You can confirm the catalytic converter theft by looking underneath the car for an obvious hole in the undercarriage near the muffler. These cookies will be stored in your browser only with your consent. Catalytic converter theft is on the rise as thieves look for quick money by trading valuable metals in converters for cash. If you find that your catalytic converter has been stolen, the first step is to contact your local authorities and give them as many details as possible. The additional and inexpensive cost of comprehensive coverage can save car owners discomfort and stress. Read our editorial standards for Answers content. A bonus with installing an alarm is that some insurance companies may offer a. Catalytic converters contain precious metals palladium, platinum and rhodium that scrap metal dealers can extract and resell. How much does it cost to replace a catalytic converter that was stolen? What to Know When Buying a Moped or Scooter. Questions about this page? Wait for the technician to repair your vehicle, allow your insurance to pay for repairs (minus your deductible), and continue driving as normal. Get an alarm: A car alarm that responds to vibrations can let you know if someone is trying to steal your catalytic converter. 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