Does auto insurance cover theft? 
There are essentially two parts to an auto insurance policy . Liability coverage , or as some refer to it as PL/PD and physical damage coverage . Most states require some form of liability coverage in order to drive your vehicle legally . But physical damage is an optional coverage you can purchase to protect your vehicle . The most common coverage you will find under the physical damage is comprehensive and collision coverage . Where collision coverage covers just that , collision with another vehicle , comprehensive coverage picks up other than collision coverages . Comprehensive provides coverage for losses from fire , theft , hail , falling objects , glass breakage and car/animal accidents . Comprehensive provides coverage for loss or damage to your vehicle and its equipment cause by theft , larceny or robbery . It also provides coverage in the event you are tricked into giving your vehicle to another person under false pretenses . Please note that you are subject to your deductible in the event of a loss . What this means is that the insurance company will pay you for the loss less your deductible which may range from $ 0 to $ 500 dollars depending on your insurance carrier . To stay competitive some insurance companies may offer special perks in their auto coverage such as waiving the deductibles or providing additional coverage such as rental car coverage in the event of theft . So be sure to check with your insurance agent or carrier to see if they provide this coverage . 