This In fact, catalytic converter replacement costs range from about$900 on the low end to $3,500 or even a bit more on the high-end. Get a quote for repairs: Reach out to your mechanic and get a quote for the cost to replace your catalytic converter. Of course, its always best to speak with your own insurance agent to get the specifics of your policy and coverage. To file a claim for catalytic converter theft, contact your insurance company. 10 Questions to Ask When Evaluating Life Insurance Options. 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. An annual cost of $100 to $300 ($8 to $25 a month) can Generally, converter theft is covered under comprehensive auto insurance. The cookie is used to store the user consent for the cookies in the category "Other. Progressive Casualty Insurance Company. 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. How can I protect my catalytic converter from theft? These cookies track visitors across websites and collect information to provide customized ads. Covered incidents include vandalism, damage from falling trees or objects, weather damage, and theft. Renters insurance does cover if your car is stolen or something in your car is stolen, but not parts of the Can a car run without a catalytic converter? Does farmers Identity Shield cover identity theft? In somecases,the DPF (diesel particulate filter) is also stolen from diesel cars. Catalytic converter theft is on the rise and may continue to rise. By Rachael BrennanRachael BrennanSenior Editor & How Much Does Catalytic Converter Replacement Cost? Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo. 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. . You also have the option to opt-out of these cookies. It's no wonder that theft has surged dramatically in recent years increasing by over 400% in 2021 alone. Your insurance company can explain the next steps to take like visiting a local repair shop and paying your deductible. Converters use two primary types of catalysts: reduction and oxidation. You could be charged with heavy penalties and fines due to environmental protection laws if you are caught driving a car without one. Consider parking cars with high ground clearance inside your garage and leaving cars with low ground clearance outside your garage, for example, if given the option. The same is true of hybrid vehicles, which may retain more precious metals since they burn less gasoline over time, wearing down the catalytic converter more slowly. Web3. Insurers and law enforcement have been able to identify a few patterns. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center. Plus, you wouldn't be able to pass safety and emissions inspections without a catalytic converter. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company. We are not responsible for the content of any third-party sites linked from this page. When to use auto vs. health insurance for car accident injuries. Comprehensive insurance covers your car against loss or damage that was not the result of a collision. Take extra precautions for cars with high ground clearance (like SUVs). Use our free car insurance quote tool above and get an idea of which car insurance companies meet your needs. All rights reserved. This makes them worth more. For example, SUVs, trucks, and hybrids tend to be the best cars for thieves to target because of the catalytic converters value and ease of access. What to Know When Buying a Moped or Scooter. Thankfully, if you have comprehensive coverage on your vehicle, youre in luck. Since the cost of fixing a vehicle after catalytic converter theft without your insurance companys assistance can, easily be more than several thousand dollars. The additional and inexpensive cost of comprehensive coverage can save car owners discomfort and stress. The short answer to the question of 'is catalytic converter theft covered by insurance' is typically yes, provided Catalytic converters use all kinds of rare and valuable metals, including palladium, rhodium, and platinum. You may hear sputtering noises, smell exhaust and notice spotty acceleration that may indicate that something is wrong. What Is a Catalytic You may also want to look for abrasions and other evidence of tampering. Our car insurance industry partnerships dont influence our content. Installing one that includes lights and indicators can deter thieves who will not find setting off the cars alarms worth the hassle. 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. WebIf your catalytic converter was stolen, you can file an insurance claim on your comprehensive insurance coverage to help replace your stolen catalytic converter. When evaluating rates, please verify directly with your insurance company or agent. If your vehicle has been targeted, there are some obvious signs to look for. Yes, a car can run without a catalytic converter, but in most states it is illegal and your car wont pass inspection without one. Your email address will not be published. As catalytic convert theft rates skyrocket, its more important than ever to protect your vehicle against catalytic converter theft. Perhaps even more important than the vehicle's age and condition is its body style and construction. The National Insurance Crime Bureau reported catalytic converter thefts increased from roughly 1,300 in 2018, tomore than 52,000 in 2021. In some cases, your insurance may cover this cost if you have the right coverage type. Then we will figure out what it takes for your insurance provider to help in such cases. Comprehensive auto coverage will cover the theft of your catalytic converter. Cars with a high ground clearance making access easier are also targeted, including vans and 4x4s. She is a Fran Majidi manages content on SmartFinancial's website. May car owners would agree that vehicle protections take much thought. Be sure to send photocopies with your resubmitted claim and not the originals. Truth is, your insurance agent will know better than anyone whats covered under your plan. The most commonly targeted cars within the last three years are: Many thieves target tall cars like SUVs and trucks since they are easier to access. This cookie is set by GDPR Cookie Consent plugin. Unfortunately, no. These cookies ensure basic functionalities and security features of the website, anonymously. Park close to a wall with the exhaust pipe closest to the wall. Any insurance policy premium quotes or ranges displayed are non-binding. If you have multiple vehicles, park the ones with lower ground clearance outside of the vehicles with higher ground clearance (like SUVs). Does homeowners insurance cover a leaking roof? Comprehensive coverage will cover the costs of replacing a stolen catalytic converter and any damages related to the theft. Catalytic converter theft is covered under your comprehensive coverage. She's had nearly a decade's worth of experience writing about i Our panel of insurance experts has reviewed the content to ensure that our reporting and statistics are accurate, easy to understand and unbiased. SmartFinancial Insurance is a digital insurance The vehicle identification number is near the outside base of the drivers side windshield or inside the drivers door jam. How Much Does It Cost To Refinance A Home? There are several steps you can take to prevent someone from stealing your catalytic converter:. 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. after a single comprehensive coverage insurance claim, How to See if a Car Has Been in an Accident. You may be asked to provide the case number of the report so the agent can follow up. Catalytic converter theft falls under theft and/or vandalism, and comprehensive coverage should cover it. Catalytic converters in hybrids have a higher concentration of precious metals compared to gas cars. A vehicle identification number is a number or code assigned to every automobile during manufacturing. And if you dont have comprehensive auto insurance, now might be a good time to consider adding it to your policy. or Does insurance cover catalytic converter theft? Catalytic converter theft falls under theft and/or vandalism, and comprehensive coverage should cover it. It does not store any personal data. The cookie is used to store the user consent for the cookies in the category "Performance". How Much Is Car Insurance for 24-Year-Olds? Report a new claim or view the status of an existing claim, Continue as a guest to Not to mention an extremely important part of your vehicle. Theft can occur in just under two minutes with easily acquired tools. Disclaimer: CarInsuranceCompanies.com strives to present the most up-to-date and comprehensive information on saving money on car insurance possible. Content provided by Insurance Panda is for consumer education purposes, and is not intended to suggest any relationship with the brands or products compared herein. Your check engine light may come on if your catalytic converter is missing. Consider installing a catalytic converter protection device. Insurance covers catalytic converter theft if you have comprehensive coverage. Chris Harrigan This makes it difficult for a thief to access your catalytic converter. 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. Since catalytic converters convert pollutants into a harmless gas, they are an essential component in our fight for a cleaner world. As a result, toxic gases are no longer being converted into less dangerous alternatives. Any car with a catalytic converter can be targeted, but some cars are more common targets than others. If your catalytic converter gets stolen, you must replace it. The catalyst metal then converts potentially hazardous gases into safer alternatives. Its found between the engine and the muffler. The United States has required catalytic converters on all gas-powered vehicles since 1975. Even if you own your car outright, it's never a bad idea to consider additional protection, especially if you can't spare $1K to replace your catalytic converter. The metal inside the converter is valuable, making it easy to resell these devices to scrap yards or other buyers. Catalytic converter thefts have increased to record highs in recent years. Rachael Brennan Get easy explanations for all your questions. Discounts may vary by state. In TX: insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Texas County Mutual Insurance . Additionally, the police will be able to provide a report which may be helpful in getting insurance to cover the replacement expenses. If your converter is stolen, your insurance may cover the theft, depending on the circumstances and the type of policy youve purchased. 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