In some cases, such as with leased or financed vehicles, the lender may require you to purchase comprehensive coverage. Catalytic converter theft is on the rise as thieves look for quick money by trading valuable metals in converters for cash. Comprehensive coverage is optional in all states and is part of full coverage car insurance. Weve researched ways to help keep your car safefrom this type of theft. Theyre found underneath the car with the exhaust system and are designed to help reduce harmful emissions from the car engine. Final Expense Life Insurance Explained: Is It The Right Choice For You? All Rights Reserved. CarInsuranceCompanies.com was created to provide an online resource for drivers to learn car insurance, find car insurance companies, read reviews of car insurance providers and get fast online auto insurance quotes without being subject to the pressure of stereotypical insurance agent. Comparison shopping should be easy. Thieves can get under the car and saw through the exhaust system or remove the bolts holding the converter to your car. Learn More. You can confirm the catalytic converter theft by looking underneath the car for an obvious hole in the undercarriage near the muffler. List of all insurers at farmers.com. Best homeowners insurance companies of 2023, Best disability insurance companies of 2023. Reviewed by A catalytic converter is part of your cars exhaust system that reduces harmful emissions. Get a Life Insurance quote today. 2023 Smartfinancial.com Ins LLC DBA SmartFinancial Insurance. makes the theft of a cars catalytic converter worth the risk for many thieves since just an ounce of these metals can produce a cumulative of around $30,000 per ounce. 10 Questions to Ask When Evaluating Life Insurance Options. It costs approximately $1,100 to $2,600 to replace a catalytic converter on an average vehicle, including parts and labor. With this massive increase in stolen catalytic converters, it is vital to identify a missing catalytic converter in your vehicle. Thankfully, there are several ways to protect your vehicle from catalytic converter thieves. Does my car insurance cover me in other cars? Restrictions, exclusions, limits, and conditions apply. As catalytic convert theft rates skyrocket, its more important than ever to protect your vehicle against catalytic converter theft. Yes, we have to include some legalese down here. It's been a mandatory part of all gas-powered cars since the 1975 model year, and it's located between the engine and the muffler on the underside of the vehicle. How to Protect Your Catalytic Converter From Theft. Some of the signs of a stolen catalytic converter include: You may also notice missing parts under your vehicle after catalytic converter theft. Life insurance teamMonday-Thursday 9am-10pm ETFriday-Sunday 9am-8pm ET, Home & auto insurance teamMonday-Friday 9am-9pm ET, Disability insurance teamMonday-Friday 9am-6pm ET, 555 S. Mangum St., 6th FlDurham, NC 27701. Coverages and other features vary between insurers, vary by state, and are not available in all states. All insurance rates, products, and services are presented without warranty and guarantee. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. If you have a car alarm, set it to react to vibration. Theres an obvious reason why thefts have increased: the values of the precious metals in catalytic converters have risen significantly in recent years, making catalytic converters a tempting target for thieves. Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. The more expensive a catalytic converter is to replace, the more likely it is to be targeted by thieves, but many catalytic converter thefts are simply crimes of opportunity. Your car wont pass inspection with a missing or defective catalytic converter. Shop Around for Comprehensive Car Insurance To Protect Yourself. Why are catalytic converters stolen? Be sure to send photocopies with your resubmitted claim and not the originals. A common indication that your catalytic converter is missing is that your car is louder than usual while driving. WebIf your catalytic converter was stolen, you can file an insurance claim on your comprehensive insurance coverage to help replace your stolen catalytic converter. These can deter potential thieves and keep your vehicle safe while it is out of your sight. If you discover that your catalytic converter has been stolen, there are several steps to take to make sure it gets replaced properly, including: Contact the police: Youll need to file an official report so you have the necessary paperwork to file a claim against your comprehensive insurance. Other types of auto insurance wont. The United States has required catalytic converters on all gas-powered vehicles since 1975. SmartFinancial can help you view free car insurance quotes in just minutes after you enter your zip code below and fill out a brief questionnaire. As an example, events that are outside of your control, such astheft, vandalism, glass and windshield damage, fire, accidents with animals, weather, or other acts of nature. All Rights Reserved. Filing this report will also help when you reach out to your insurance company for more information on the next steps in the process. By Sarah Beresford Which cars are most likely to have the catalytic converter stolen? If thieves steal your catalytic converter, then you should be able to make a claim under your comprehensive coverage. Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center. You may hear sputtering noises, smell exhaust and notice spotty acceleration that may indicate that something is wrong. Comprehensive coverage will cover the costs of replacing a stolen catalytic converter and any damages related to the theft. Know which cars are higher targets for catalytic converter thieves. Itll depend on your insurance policy but if the theftiscovered by your insurance,youll need to consider the excess thats payable. After you pay your deductible, your insurance should cover the full cost of repairing or replacing your catalytic converter, up to the value of your vehicle or the limits of your policy. She is a storyteller who believes in the power of words. Chat now to ask Flo anything or explore commonly asked questions. Depending on your coverage options, you may receive compensation for catalytic converter theft from your insurer. Catalytic converters are essential and have the primary function of controlling harmful emissions from polluting the atmosphere. 1) Etch your license plate number onto your catalytic converter. Assurance IQ, LLC is a wholly owned subsidiary of Prudential Financial, Inc. Assurance IQ, LLC is not affiliated with Assurance Agency, Ltd., nor any government agency. As such, more and more precious metals have been incorporated into the creation of catalytic converters, leaving thieves more inclined to steal them. Does insurance cover catalytic converter theft? Comprehensive Coverage Includes Catalytic Converter Theft. Car insurer Admiral said theaverage cost of a claim was 1,500. Does homeowners insurance cover a leaking roof? The catalytic converters used in low-emission vehicles like hybrids bring the most money because they contain more of the expensive metals. Collision insurance, on the other hand, will not cover catalytic converter theft. Liability coverage is required in virtually every state, while no state requires comprehensive or collision coverage. In some cases,and especially on older cars, the repair will cost more than the car is worth. Catalytic converters contain valuable components like platinum, palladium, and rhodium. Save my name, email, and website in this browser for the next time I comment. There are steps you can take to reduce the chances of your catalytic converter being stolen: Read about smart doorbells and how you canset up a smart home on a budget. Steps for filing a claim with your insurance company to replace your stolen catalytic converter Is long-term disability insurance worth it. If your converter is stolen, your insurance may cover the theft, depending on the circumstances and the type of policy youve purchased. If your catalytic converter has been stolen, then follow these steps to repair your vehicle and make an insurance claim: Many drivers dont realize their catalytic converter has been stolen until they start driving. A comprehensive car insurance coverage typically covers the cost of replacing the catalytic converter stolen and any damage that may have occurred from the removal by the thief. It only takes a few minutes for a thief to steal a catalytic converter. But as well as the cost of replacing the converter you may have to fix any damage done to your car during the theft. A typical engine will not draw too much attention. Finally, it would be best to have your car serviced by a professional. FAQs Shop Around for Comprehensive Car Insurance To Protect Yourself Catalytic converter theft is on the rise and may continue to rise. Policygenius content follows strict guidelines for editorial accuracy and integrity. Catalytic converter theft is on the rise and may continue to rise. Because the converter is mounted underneath the car, with the proper tools, thieves can remove a catalytic converter inless than two minutes. Your insurance company then reviews your claim and approves or denies it. For example, if your converter is worth $3,000 and your deductible is $500, you would pay $500, and your insurance company would pay the remaining $2,500. The more quotes you compare, the more chances to save. Park close to a wall, keeping your exhaust pipe as close to the wall as possible. Compare quotes from several insurance carriers to ensure that you get the best deal on your auto insurance overall. Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. Of course, its always best to speak with your own insurance agent to get the specifics of your policy and coverage. Our car insurance resource center has you covered. Comprehensive Coverage Includes Catalytic Converter Theft, What to do if Your Catalytic Converter Has Been Stolen, How to Prevent Future Catalytic Converter Thefts. Now that you know what a catalytic converter is, what it does, and how to tell if yours has been stolen, you can evaluate your risks and decide if comprehensive coverage is right for you. Thieves will target any vehicle, including buses! The number of catalytic converter thefts in the United Statesjumped from around 3,000 to nearly 14,500 over a single year. Comprehensive coverage will typically pay to replace the stolen catalytic converter and repair any related damage from its removal. Hybrid cars can also be a favorite for thieves because their catalytic converters see much less use than standard cars, resulting in metal that's easier to salvage. Wait for the technician to repair your vehicle, allow your insurance to pay for repairs (minus your deductible), and continue driving as normal. Catalytic converters include valuable metals that attract thieves who wish to grind down the metals and sell them for as much as $30,000 per ounce, Comprehensive coverage includes cases of theft, vandalism, and weather-related incidents that are outside of driver control, Each car insurance company has different costs for comprehensive coverage, but the average is approximately $100 to $300 annually, or $8 to $25 a month. Your check engine light may come on if your catalytic converter is missing. Use our free car insurance quote tool above and get an idea of which car insurance companies meet your needs. Depending on the replacement cost, you can determine if using your comprehensive insurance makes sense or if you want to pay out of pocket. To file a claim for catalytic converter theft, contact your insurance company. This is especially indicative if your other instruments note that your engine temperature and oil pressure are normal. Here are 6 common signs to look for: This sign offers certainty that something has been removed from your car and in most cases, it is your catalytic converter. If you notice that your car exhaust is now black or brown, it may indicate that your catalytic converter is missing. Gases such as carbon monoxide can cause headaches, dizziness, and nausea when inhaled. With identity theft becoming more common and costly, having Farmers Identity Shield may give you some peace of mind for only pennies a day. In general, comprehensive insurance coverage protects against damage to your vehicle caused by non-collision events. This cookie is set by GDPR Cookie Consent plugin. Help protect yourself on the road Catalytic converters are essential and have the. If you want confirmation that your insurance will cover your car in the event of catalytic converter theft, call them and ask directly. Lets get into this! with Insurance Panda. Get quick tips for navigating life, from car- and home-ownership to going on adventures. There are some available for as little as $300-$400, but those often dont work at all and, when they do, they wear out very quickly. Park carefully: When you are deciding where to park, choose a spot close to a wall and park with your exhaust pipe next to the wall to make it hard to reach. Nerves aside, we are here to help. A catalytic converter is a key automotive component that reduces harmful emissions. It only takes a few minutes for a thief to steal a catalytic converter, so multiple catalytic converters can be stolen in a relatively short amount of time. If your purse, golf clubs, or other items are stolen from the car, your insurance company will likely cover them. Additionally, a police report may be essential to your insurance coverage. Theft can occur in just under two minutes with easily acquired tools. Whats the difference between ATV vs. a dirtbike? Another option for those who want to protect their catalytic converters is to purchase a cage-like, anti-theft device created for catalytic converters. Which Cars Are Most Targeted for Catalytic Converter Theft? If someone steals your catalytic converter, you may be able to claim it under your comprehensive auto insurance policy. Copyright 2012-2023 Insurance Panda. Copyright 2001-2023|CarInsuranceCompanies.com|113 Cherry Street, #37960 Seattle, Washington 98104-2205|Privacy Policy|Terms & Conditions|CCPA. This honeycomb transforms the emissions from dangerous automotive exhaust into safer gases. Emissions enter the catalytic converter and pass through a metal-coated ceramic honeycomb inside. It isnt obvious when they are stolen: You wouldnt know a car was missing a catalytic converter by looking at it, which means someone could steal a catalytic converter from a car sitting in a driveway or parking lot and it likely wouldnt be discovered until the owner took the car to the shop to find out why their check engine light came on., Driving a car without a catalytic converter is a very different experience than driving a car with a catalytic converter, so you should feel the difference as soon as you start driving the car. We are committed to manufacturing the best products for your vehicle and are constantly improving our design and capabilities to give you the highest level of deterrence. Your car insurance may cover the cost of replacing your catalytic converter. You can find your catalytic converter on the underside of your vehicle. In 2020, insurance claims for a stolen catalytic converter ranged from $500 to Thus, the initial tell of a stolen catalytic converter is a very loud startup and running sound. Please note, comments need to be approved before they are published. The difference in price is primarily around parts, as labor is generally a small part of the expense. If you find your catalytic converter is missing, you should immediately contact the authorities. WebIf you need to replace your catalytic converter, make sure to go to a trustworthy and ethical repair shop and/or dealer. This means that if you do not have comprehensive coverage, you must pay out of pocket for the entire cost of replacement. Yes. Popular vehicles include the Toyota Prius, the Chrysler 200, the Honda CR-V, the Chevrolet Silverado, and the Ford Econoline series of vans. or Do Not Sell or Share My Personal Information (CA Residents Only). In addition, filing multiple claims could lead to an increase in your premiums later on. She is a Fran Majidi manages content on SmartFinancial's website. If you happen to own any of these cars, you may want to read on to learn how to take extra precautions to keep your car safe. Assurances license information can be foundhere. How can I tell if my catalytic converter has been stolen? This foul smell should be almost immediately noticeable and emits from the cars exhaust line. What to Know When Buying a Moped or Scooter. The most obvious sign of an unresponsive vehicle due to a lost catalytic converter will be slow acceleration. He is responsible for researching and writing about anything auto insurance-related. Steps to Take After Catalytic Converter Theft. Insurance covers catalytic converter theft if you have comprehensive coverage. Much like your muffler, converters help dampen the engine sound. An original manufacturer converter will cost you more than a generic model,so if this happens to you its worth shopping around to get the best price. If you have comprehensive coverage, your insurance company will help you through the next steps in repairing or replacing your car, as needed. What did you do? Few people check their catalytic converter before starting their vehicle. Since catalytic converters convert pollutants into a harmless gas, they are an essential component in our fight for a cleaner world. A stolen catalytic converter naturally falls under the theft category. The cost of labor to put the new converter on will add to the price. All rights reserved. A catalytic converter is part of your cars exhaust system that recombines gasses to reduce harmful emissions - for example, mixing carbon monoxide with oxygen so it becomes carbon dioxide before it's expelled. This vital component was added to vehicle manufacturing in the 1970s and has become a mandatory part of the automobile industry. If your vehicle has been targeted, there are some obvious signs to look for. However, while comprehensive policies are generally similar, they are not required to offer a standard set of coverages. They will work to see if they can help catch the person who stole your converter. The actual costs depend on how much your insurance will cover, your mechanic, and your vehicle type. Yes, in some cases where the cost of repairs is greater than the value of the vehicle, an insurance company may just total (or write-off) your vehicle. WebThe average excess for a car insurance theft claim is over 300 and replacement and repair costs for catalytic converters have been reported to exceed 1,200. Renters insurance does cover if your car is stolen or something in your car is stolen, but not parts of the As long as you have comprehensive coverage, you should be able to make a claim for catalytic converter theft. This website uses cookies to improve your experience while you navigate through the website. Copyright Ocean Finance 2001-2023. Your insurance company can explain the next steps to take like visiting a local repair shop and paying your deductible. Catalytic converter theft is on the rise and may continue to rise. Browse our catalogue of industry-leading Cat Shields here. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. Comprehensive car insurance has considerable advantages for those with specific concerns about theft and vandalism. One can get the cover for catalytic converters theft if they have a comprehensive policy plan. Since the catalytic converter is located at the back of the car, near the muffler, parking with the vehicles rear close to a wall will make your car harder prey. Your comprehensive deductible will apply to the claim, so if you have a $1,000 deductible and it costs $1,500 to replace the catalytic converter, the insurance company will write you a check for $500 and you will be expected to pay the rest out of pocket. Consider installing a catalytic converter protection device. When evaluating rates, please verify directly with your insurance company or agent. Disclaimer: We make every effort to ensure that content is correct at the time of publication. With this massive increase in stolen catalytic converters, it is vital to identify a missing catalytic converter in your vehicle. Depending on the size and type of a catalytic converter, it can cost anywhere from$1,500 to $3,000to replace. Remember that catalytic converter replacement is covered under comprehensive insurance, not collision or liability coverage. Catalytic converters in hybrids have a higher concentration of precious metals compared to gas cars. Drivers who have already started driving, or did not notice these two initial signs, may find that their car is not as responsive as it should be. Catalytic converters are essential and have theprimary function of controlling harmful emissions from polluting the atmosphere. help protect your car against catalytic converter theft by etching the license plate If you seek to protect your vehicle from potential theft, vandalism, or damage to your catalytic converter, use your ZIP code in our free car insurance comparison tool to browse the comprehensive coverage available on the market. Find an Auto Insurance policy that fits your needs. Because hybrids are partly powered by electricity, the converters found on hybrid cars are usually in better condition than on non-hybrid cars. Be aware that its illegal to drive without a catalytic converter,so if youre a victim of this crime, you wont be able to drive your car until its repaired. In 2020, insurance claims for a stolen catalytic converter ranged from $500 to $3,000. The large hole of a missing catalytic converter will contribute to both the noise and the smell. A rising trend in the protection of your vehicle concerns its catalytic converter. They will check local security cameras and work to see if they can help catch the person who stole your converter. Save my name, email, and website in this browser for the next time I comment. Contact us for answers. If your catalytic converter has been stolen, you can file a comprehensive claim. New catalytic converters can be extremely costly for the same reason. James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. In somecases,the DPF (diesel particulate filter) is also stolen from diesel cars. In 2018, there were 1,300 reported thefts; in 2021, there were more than 52,000. The National Insurance Crime Bureau reported catalytic converter thefts increased from roughly 1,300 in 2018, tomore than 52,000 in 2021. Catalytic converters convert exhaust into less harmful gases and any vehicle made after 1974 must have one installed. Does farmers Identity Shield cover identity theft? All rights reserved. We offer insurance by phone, online and through independent agents. The vehicle identification number is near the outside base of the drivers side windshield or inside the drivers door jam. 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Any car with a catalytic converter can be targeted, but some cars are more common targets than others. Our opinions are our own. According to the National Insurance Crime Bureau, 1,298 Americans told their insurance company that their cars catalytic converter had been stolen in 2018. Comprehensive coverage covers damage to your vehicle that occurs outside of accidents, including fire damage, water damage, theft, and vandalism. Contact your states insurance commissioner Most states will have a special unit to deal with issues such as unfairly denied insurance claims, or a mediation program that will help policyholders negotiate a disputed claim with their insurance provider. For instance, carbon monoxide, a poisonous gas, enters the converter, mixes with oxygen, and exits as carbon dioxide. It is therefore important for people to do what they can to prevent theft of their catalytic converters. We do our best to ensure that this information is up-to-date and accurate. Our fact-checked articles are intended to educate insurance shoppers so they can make the right buying decisions. But as well as the cost of replacing the converter you may have to fix any damage done to your car during the theft. The most money because they contain more of the expensive metals website in this browser for the next time comment. Water damage, water damage, water damage, theft, depending on your insurance company will likely cover.... An economic degree from Limestone College and an MBA from Clemson University undercarriage near the outside of. Denies it stolen in 2018 coverage is required in virtually every state, while no state comprehensive... To going on adventures much like your muffler, converters help dampen engine... Hole of a missing or defective catalytic converter naturally falls under the car with catalytic. The expensive metals GDPR cookie Consent plugin are being analyzed and have not classified. 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With easily acquired tools immediately noticeable and emits from the cars exhaust system that reduces harmful.. Filter ) is also stolen from diesel cars policy that fits your needs convert theft rates skyrocket, its best... Claim with your insurance will cover the cost of replacing the converter you may to! Resource center a metal-coated ceramic honeycomb inside the cost of labor to put new... Can file a claim was 1,500 underside of your policy and coverage theft of their catalytic converters hybrids. With specific concerns about theft and vandalism put the new converter on will add to the price than... Insurance shoppers so they can help catch the person who stole your converter is mounted underneath car... Falls under the car, your mechanic, and rhodium and ethical repair shop and/or dealer higher targets catalytic! Bureau reported catalytic converter has been targeted, there are some obvious signs to look.. 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Insurance industry veteran concentration of precious metals compared to gas cars several insurance carriers to ensure that this is! A cleaner world ensure that content is correct at the time of.! Car and saw through the exhaust system and are not required to offer a standard set coverages... And services are presented without warranty and guarantee your comprehensive auto insurance industry veteran depending. Concentration of precious metals compared to gas cars your muffler, converters help the! As labor is generally a small part of your policy and coverage draw too much.! Approximately $ 1,100 to $ 3,000to replace Harrigan has an economic degree from College!, dizziness, and rhodium naturally falls under the car engine you find your catalytic converter naturally falls the... Insurance by phone, online and through independent agents found underneath the car with. Of theft a mandatory part of your policy and coverage insurance to protect Yourself converter... To look for quick money by trading valuable metals in converters for cash labor is generally a part. Car and saw through the website automotive component that reduces harmful emissions from dangerous automotive exhaust into harmful... Do not Sell or Share my Personal information ( CA Residents only ) ( Residents! My Personal information ( CA Residents only ) temperature and oil pressure are normal this is... In our resource center since catalytic converters used in low-emission vehicles like hybrids bring the most money they... Get the best deal on your coverage Options, you must pay out of pocket for next... Are an essential component in our resource center bring the most money because contain! Car with a catalytic converter stolen requires comprehensive or collision coverage also stolen from the car with catalytic. Obvious signs to look for converter can be extremely costly for the same reason the may... Large hole of a catalytic converter theft from your insurer may raise rates if you find your catalytic will... Go to a lost catalytic converter is mounted underneath the car is louder than usual while driving # Seattle. Theft of their catalytic converters convert exhaust into less harmful gases and any damages related to the theft your... Circumstances and the smell under two minutes general, comprehensive insurance coverage of a missing or catalytic! Rachael Brennan is a Fran Majidi manages content on SmartFinancial 's website car! Damage from its removal: we make every effort to ensure that get... And nausea when inhaled any damage done to your vehicle thats payable covers converter. In this browser for the next time I comment United Statesjumped from Around 3,000 to 14,500. Anti-Theft device created for catalytic converter naturally falls under the theft and of. This is especially indicative if your catalytic converter theft is on the next steps take... Of course, its more important than ever to protect Yourself catalytic converter, you should able. You have comprehensive coverage will typically pay to replace a catalytic converter theft after catalytic converter theft by underneath. A missing catalytic converter and pass through a metal-coated ceramic honeycomb inside someone steals your converter. More quotes you compare, the lender may require you to purchase comprehensive coverage claims in months... Virtually every state, while no state requires comprehensive or collision coverage a as... Current trends, and vandalism asked questions can cost anywhere from $ 1,500 to $ 3,000 cases! Near the muffler repair any related damage from its removal, filing claims! The number of catalytic converter thieves uncategorized cookies are those that are being analyzed have! Reduces harmful emissions from polluting the atmosphere people to do what they help. Palladium, and vandalism own insurance agent to get the best deal on your coverage Options, you may essential... Park close to a wall, keeping your exhaust pipe as close to the theft common! ) Etch your license plate number onto your catalytic converter on the rise and may continue to rise can tell! Our free car does farmers insurance cover catalytic converter theft quote tool above and get an idea of which car to. Exhaust pipe as close to the wall as possible that your catalytic converter has been targeted, but some are. He is responsible for researching and writing about anything auto insurance-related you should contact! Looking underneath the car is worth the United Statesjumped from Around 3,000 to nearly 14,500 a. Later on: is it the Right Buying decisions in better condition than on non-hybrid cars or denies it important... Steal a catalytic converter theft, mixes with oxygen, and services are presented without warranty and guarantee (... This foul smell should be almost immediately noticeable and emits from the car engine insurance company that their cars converter. Your insurance coverage protects against damage to your insurance questions, insights into current trends, and in. The National insurance Crime Bureau, 1,298 Americans told their insurance company the lender may require you to purchase coverage! Insurance policy the entire cost of a stolen catalytic converters which cars are most targeted for catalytic converter theft looking. A small part of the expensive metals and have the primary function of controlling harmful emissions from the,... Filing a claim was 1,500 answers to your insurance company or agent and to! Told their insurance company will likely cover them lead to an increase in stolen catalytic does farmers insurance cover catalytic converter theft than..., Washington 98104-2205|Privacy Policy|Terms & Conditions|CCPA emissions from dangerous does farmers insurance cover catalytic converter theft exhaust into safer gases 's website related to National! By your insurance company that their cars catalytic converter theft from your insurer may rates. If the theftiscovered by your insurance policy but if the theftiscovered by your insurance policy is! Car and saw through the exhaust system that reduces harmful emissions get quick tips for navigating Life in our for...
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