Does car insurance cover a stolen catalytic converter?

Comprehensive coverage pays for damage to your car from things other than a collision, including theft, vandalism, weather, fire and animals. Theft of a catalytic converter usually falls under it. If you only carry liability coverage, your policy generally won't pay to replace it.

The converter sits under the car in the exhaust system and contains precious metals. Thieves can cut one out in minutes. Vehicles that sit higher off the ground, and some hybrids, can be bigger targets. Replacement often costs more than people expect, because it includes the part, labor and any damage to nearby pipes or sensors.

Your comprehensive deductible comes out of any claim payment. If your deductible is high, compare it with the repair estimate before you file. A claim may also affect your premium later, depending on your carrier and state, though comprehensive claims often have less effect than at-fault accidents.

• Don't drive the car far. It will be loud, and exhaust problems can be unsafe.
• File a police report. Insurers usually ask for one on theft claims.
• Take photos of the underside and any damage.
• Call your insurer to start a claim and ask about towing or rental coverage.
• Get a repair estimate from a shop your insurer accepts.

• Park in a garage, or in well-lit, busy areas.
• Ask a shop about an anti-theft shield or cage for the converter.
• Have the converter engraved with your VIN, which can help police.
• Use a car alarm set to detect tilting or vibration, if your car supports it.

Look at your declarations page. It lists each coverage, its limit and its deductible. If you see collision and liability but not comprehensive, you may not be covered for theft. If you have a car loan or lease, your lender likely already requires comprehensive.

Our in-house agency compares coverage across multiple carriers and can help you review your comprehensive deductible. We review your policy each renewal to make sure you are not paying too much for your insurance.