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Increased Insurance Coverage Could Protect You Against Car Thieves

In the blink of an eye James Cannon had his pick-up truck stolen from his neighborhood.

About a month later Cannon got his truck back after police found it in Laredo. Officials told him the driver, who was involved in a pursuit, ditched it near the Rio Grande River.

"I know it happens every day, I just didn't picture it being my vehicle. It's like someone wearing your clothes,” said Cannon.

If this happens to you, without the right insurance policy, it could mean dishing out thousands of dollars to get your vehicle restored.

KEYE TV spoke to insurance agents about what car owners can do to ensure they are taken care of in the event that their vehicle is stolen. If you're thinking, I have "full coverage", think again.

"That term has been replaced by comprehensive and collision. Collision is when you hit someone or someone hits you comprehensive is everything else basically," including theft and vandalism, said Andy Webb, from Watkins Auto Group.

Webb says the best way to make sure you’re covered is pull to out your policy or call your insurance agent to find out.

Five minutes on the phone and $10-15 dollars extra a month could save you thousands.

"There may be some variances in how it’s priced, but if they're offering comprehensive coverage it should cover theft. The only way you shouldn't carry it is if you’re comfortable replacing it out of pocket,” said Webb.

Another important thing you should look for is your coverage when your vehicle is stolen and not recovered.

Insurance experts say insuring your vehicle on a replacement cost basis is the way to go so you can at least get what the car is worth in case it is stolen.