Comprehensive Auto Insurance Des Plaines Illinois IL

Reader’s Question:

The rims for my vehicle was stolen out of my truck. Do I make an insurance claim against the homeowners or car insurance in Des Plaines Illinois?

Fred

Des Plaines, IL

If the rims were stolen off of your vehicle you should inform your auto insurance agent to check if you can make an insurance claim under your comprehensive coverage in Des Plaines. It is also important to make a police report since your insurance carrier will want a copy.

In most cases, in order for custom parts to be covered under your car insurance policy your insurance carrier would need to be informed about the parts beforehand. Many insurance carriers would want to do an endorsement for these non-factory parts to be covered. Some insurance carriers would call this an custom parts coverage or additional equipment endorsement.

Likely since the rims for your car were not on your vehicle at the time that it was stolen it is more likely they will be considered personal property stolen from your truck, so the car insurance claim would go through your homeowner’s insurance policy. I do not know the specifics of your homeowners or car insurance policy so I would suggest that you speak to your car insurance agent(s) in Des Plaines Illinois to know under which insurance policy a claim may be made.

Tags: auto insurance claims, car insurance, comprehensive insurance coverage