Author: Insurance Commissioner Mike Causey
I recently met with sheriffs in Davidson and Randolph counties to discuss a wave of automobile break-ins that have occurred there, along with other places in North Carolina.
Law enforcement agencies have reported numerous car break-ins in recent weeks in towns such as Lexington and Asheboro. We also heard about automobile break-in sprees in other places, such as Raleigh and Chapel Hill.
Whether you live in a big city or a small town, vehicle break-ins can happen anywhere. Thieves are often looking for quick opportunities, so a few simple precautions can go a long way toward protecting your property.
Here are a few tips to discourage thieves and help protect your property:
- Always lock your vehicle, even if you are only leaving it unattended for a few minutes.
- Remove valuables. Take purses, wallets, electronics and other items with you, or lock them in the trunk out of sight.
- Park in well-lit areas. Light and visibility deter would-be thieves.
- Use anti-theft devices. Steering wheel locks, alarms and tracking systems can help prevent theft and aid recovery if your car is stolen.
- Be alert and report suspicious activity. If you see something unusual, contact your local law enforcement agency immediately.
Consumers should check with their insurance agent to make sure they have the right coverage should an automobile break-in occur
Comprehensive (or other than collision) automobile insurance will generally cover damage to the car, such as a window broken to enter the car during a theft, and items permanently attached to the car.
However, comprehensive coverage generally does not pay for stolen items that were not permanently attached to the car, such as a cell phone, portable radio, laptop, purse or wallet. The consumer’s homeowners’ and renters’ insurance policies generally do cover such items, after deductibles are applied.
Prevention is always better than dealing with the aftermath of a theft. By taking a few extra steps, you can greatly reduce your risk and help keep your community safe.
If you have questions about your insurance or need assistance, you may call us toll free from Monday through Friday from 8 a.m. to 5 p.m. at 855-408-1212. You may also visit our website at www.ncdoi.gov.