Discovering your vehicle has been broken into is an unpleasant experience for any driver. Should you find yourself in this situation, there are some initial steps you can take to protect yourself and your belongings.
File a Police Report
Sometimes an officer will be dispatched to you when your vehicle has been broken into, but not in every instance. If not, you will have to go to the police station and file a report. Bring your insurance information and registration as well as list of what was stolen, and take pictures of any damage done to your vehicle.
Report Credit Card Theft
If your credit cards were stolen during the break-in, notify your bank immediately so they can stop any activity on your account. In addition, if anything else with your sensitive personal information was stolen, such as documents with your full name, birth date, and social security number, contact one of the major credit reporting agencies to place a fraud alert on your credit record.
Decide If You Want to File an Insurance Claim
Comprehensive auto insurance typically pays for damage to your vehicle caused by a break-in. However, the amount of your claim will be reduced by your deductible. For instance, if the total damage amounts to $500 but your deductible is $1000, you will not receive any money if you make an insurance claim.
Renters or homeowners insurance in Vista may cover stolen items that are not permanent components of the vehicle. For instance, your insurance may cover your freestanding iPod or GPS but not your aftermarket stereo system. Once again, the deductible rule applies.
Repair the Damage
Get your vehicle fixed as soon as possible, and be careful of broken glass inside the car. Most glass repair companies are mobile and can come to your home or work to replace or repair your broken windows. If you have glass coverage included in your Vista auto insurance, the cost of repairs may be completely covered.
If your car has been broken into, get in touch with American Tri-Star in Vista and we can help you determine if filing a claim is the right option. If you need insurance and are looking for free car insurance quotes Vista drivers find affordable, give us a call today at 760-758-1600.