Vehicle component theft has become one of the most common comprehensive claims in Arizona cities, and it is a claim most drivers assume their collision cover handles. It does not.
Parts stripped from a parked car are a comprehensive claim, with your comprehensive deductible against it.
Three things about damage that happens while nobody is driving.
A catalytic converter cut from underneath a parked vehicle, a stolen tailgate or stripped wheels are all comprehensive claims. Drivers who carry collision but declined comprehensive to save money have no cover for any of it, and the repair frequently runs into four figures on an otherwise undamaged car.
A thousand dollar comprehensive deductible against a fifteen hundred dollar repair makes claiming marginal. Choosing that deductible deliberately, rather than accepting whatever produced the cheapest quote, is the difference between cover and a number on a page.
Comprehensive is commonly dropped on a paid-off older car on the reasoning that it is not worth much. Parts theft does not care what the car is worth; the repair costs what it costs, and on a low-value vehicle that bill can approach the value of the car itself.
Cover for the car while it is standing still.
Frequently dropped on older vehicles, and that is exactly where the exposure sits.
It should be low enough that a realistic theft is worth claiming.
Garage, driveway or street changes the risk and sometimes the rate.
Tell us where each vehicle is parked overnight and whether comprehensive is on all of them.
We check comprehensive before collision, because that is where the Tucson claims are.
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