Your Personal Belongings Are Not Covered Even If Your Auto Is Fully Insured

Many people are unaware that car insurance does not cover personal belongings in your automobile.  Even a full coverage auto insurance policy will not compensate you for damaged or stolen possessions.  While your car might be covered for damage or theft, only your auto itself is covered. Therefore, the personal property inside the vehicle are not considered part of the vehicle and are not included in its valuation when it comes to an auto insurance policy. Drivers and passengers carry many valuable items with them when on the road, from cell phones and laptop computers, to leather jackets and other valuable items. 

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