The short answer
Comp covers theft of the vehicle at ACV minus deductible after a 15–30 day waiting period (allows for recovery). Personal items inside the car are NOT covered by auto — file those under home or renters contents. Aftermarket stereo, wheels, or lift kits need specific declared value or they're capped at $1,000–$1,500.
Frequently asked
- What if the car is recovered damaged?
- Comp still covers the theft-related damage at repair cost or ACV, whichever is less.
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