Does Car Insurance Cover a Stolen Battery? Detailed Guide

By Randy Luton | Last Updated: 04/25/2023

The parts of a car’s engine that start it up and keep it going are called batteries. Thus, robbers may just want to stole battery in order to sell it or use it to start their own automobile. Though it is immoral and illegal, it occurs far more frequently than you may imagine.

Some criminals have come up with brilliant strategies to trip a car’s hood, grab the battery, and hardly damage the vehicle. Some people are more aggressive, they may force the hood open. To access the car’s hood release, they can destroy windows or pry open doors. Then they may steal the batteries and vanish. No matter how they got in, criminals may leave you with expensive damage and a stolen battery.

Keep reading if you are also worried about car battery stolen insurance then this blog will help you.

Can I purchase insurance for my car battery?

Batteries for cars generally last three to four years. The same goes for changing your car’s battery; it is your obligation as the tenant. If you have comprehensive coverage, your auto insurance can protect you from battery theft, but it seldom pays for routine maintenance.

Your automobile battery is only protected if it was harmed as a result of a covered occurrence, such as an accident. If the other driver caused the collision, their liability insurance would cover any necessary repairs and battery replacements. If you caused the accident, your collision insurance would cover the cost of replacement.

Which type of insurance cover a stolen car battery?

The cost of a stolen battery will only be covered by comprehensive insurance. It might not be worthwhile to file a claim, which would result in a rise in your premium at renewal time if your deductible is greater than the price of replacing the battery. Battery prices are often about $120, and deductibles are typical $500 or more.

Other thefts like those involving catalytic converters and petrol can also be covered by comprehensive insurance. But if you were wondering whether car insurance cover theft of a car then the answer is yes but it depends on your policy and coverage type.

Does car insurance cover battery replacement?

In most cases, changing the battery is not covered by auto insurance unless the car is in an accident. The price of a replacement battery can be covered by the vehicle’s warranty. However, they are often not covered by insurance coverage (comprehensive or general).

Only when there are too many issues is a battery recall announced. Otherwise, replacing the battery is a routine maintenance task. Anytime a battery problem arises, purchasing an extended warranty will be beneficial.

Your insurance company could pay for a battery that was damaged in an accident. You can make a claim for accident-related damages to your car, including harm done to the battery, if you have collision coverage.

The insurance provider will examine and document each harm incurred following the accident throughout the claims procedure. Your insurance will compensate you for the losses after you have paid your deductible.

Does car insurance cover a new battery?

In most cases, top car insurance companies does not cover the new battery. In order to assist with battery problems as it nears the end of its useful life, drivers can spend money on roadside assistance and an extended warranty as car battery replacement is not covered by insurance (outside of a covered incident). Roadside assistance will be able to assist if your battery has to be jump-started.

How to file an insurance claim for a stolen battery?

  • Step 1: Check the surroundings for any CCTV or witness: CCTV footage or a reliable witness can be helpful while proving your case in court or to the police.
  • Step 2: Call the police: Stealing battery is a criminal offense hence you should inform the police about the incident and file a proper report.
  • Step 3: Inform your insurance provider: The next step is to call your insurance company and inform them about the incident. You can send them a copy of the police report and CCTV footage.
  • Step 4: Get new batteries: Once you inform your insurance company they will explain the next course of action. Depending on the policy type and company’s terms you might have to buy the battery yourself and get the reimbursement or the company will buy one for you.
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Editorial Guidelines: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.

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Randy Luton is the Founder and CEO of RateForce. He is passionate about InsurTech services and has in-depth knowledge about the auto insurance sector of the USA.