Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Mar 21, 2012

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Insurance Question from San Angelo, TX

Asked on 03/21/2012

truck was broken into and personal property was stolen and insurance company says personal property is not covered. is this true? NULL

Answer given on March 22, 2012

Automobile insurance covers the car and equipment that is permanently installed in the vehicle. Some policies also will add coverage for aftermarket equipment installed in the car, even if it is not permanently installed. Unfortunately, many people do not understand that personal property in the car is not covered by the auto insurance. That is why it is always best not to leave any personal property in the car while it is unoccupied. If you must, be sure to put it in a trunk or hidden somewhere in the vehicle.If you car is broken into and personal property is stolen, then your homeowner or renters insurance will cover that property, subject to the deductible for that homeowner or renters insurance. You should contact your homeowner insurance agent to file a claim if the property taken was more than the deductible on your policy. However, you could lose a claim free discount, so make sure you will get enough of a settlement for the property stolen to offset the loss of the claim free discount.


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