A catalytic converter is a key automotive component that reduces harmful emissions. Park your car in a well-lit area, or install motion-sensitive lights around your house to deter thieves. Catalytic converter thefts have been growing steadily over the past few years. Over the last few years, theres been a large increase in the theft of catalytic converters. The catalyst metal then converts potentially hazardous gases into safer alternatives. Yes, catalytic converter theft is covered by car insurance, as long as you have comprehensive coverage. These cookies will be stored in your browser only with your consent. Your insurance company will cover the cost of replacing the stolen converter and any Of course, its always best to speak with your own insurance agent to get the specifics of your policy and coverage. 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. Instead, you should be able to make a claim and continue to pay the same rates for car insurance. How Does a Catalytic Converter Get Stolen? Is a stolen catalytic converter covered by insurance. If your vehicle has been targeted, there are some obvious signs to look for. Copyright Ocean Finance 2001-2023. If youre unsure, then call 999. Because hybrids are partly powered by electricity, the converters found on hybrid cars are usually in better condition than on non-hybrid cars. Catalytic converters in hybrids have a higher concentration of precious metals compared to gas cars. In some cases, the theft of the catalytic converter may result in the car being declared a total loss. Torque is the rotational force often associated with tasks like towing, hauling, or climbing. Comprehensive coverage will cover the costs of replacing a stolen catalytic converter and any damages related to the theft. James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. 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. The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. We do our best to ensure that this information is up-to-date and accurate. A stolen catalytic converter naturally falls under the theft category. Since the catalytic converter is located under your car, you may not notice it visually, but there are tell-tale signs that it is gone. Report a new claim or view the status of an existing claim, Continue as a guest to According to the Insurance Information Institute, 1 criminals racked up $6.4 billion in motor vehicle thefts in 2019, with the average cost per theft at $8,886. How much does it cost to replace a catalytic converter that was stolen? An engine of a missing catalytic converter will sound much louder than a usual motor. What is a Life Insurance Annuity And How Does it Work? But there may still be hope that you can get a new one without any cost to you. Lets dig deeper into the question of, does insurance cover catalytic converter theft. WebFarmers Identity Shield. Not all products, coverages, & discounts are available in every state. Why are catalytic converters so expensive? We are not responsible for the content of any third-party sites linked from this page. As long as your insurance is up to par, then you dont have to worry about the cost of repairs. All rights reserved. Quotes and offers are not binding, nor a guarantee of coverage. Save my name, email, and website in this browser for the next time I comment. Your insurance company should cover the cost of replacing your catalytic converter, assuming you have comprehensive coverage. Comprehensive coverage will typically pay to replace the stolen catalytic converter and repair any related damage from its removal. WebDoes this include catalytic converter theft? (Bellevue, WA) or affiliates. , it is imperative to decrease the risk of future thefts as much as possible. An annual cost of $100 to $300 ($8 to $25 a month) can Our goal is to give you back your freedom and peace of mind to drive and park your vehicle anywhere you want. They contain rhodium, palladium, and platinum, and its the value of these metals that are making them attractive to thieves - theyre all precious metals that are more valuable than gold. Gather evidence This can include police reports, any eyewitness information, photographs or other supporting evidence. Car insurance companies have put in provisions across the board to handle the rising threat of catalytic converter thieves and offer advice on spotting tampering or theft. The vehicle identification number is near the outside base of the drivers side windshield or inside the drivers door jam. Analytical cookies are used to understand how visitors interact with the website. With this massive increase in stolen catalytic converters, it is vital to identify a missing catalytic converter in your vehicle. How does long-term disability insurance work? It only takes a few minutes for a thief to steal a catalytic converter. As a result, toxic gases are no longer being converted into less dangerous alternatives. Get a personalized Health Insurance quote now. Car insurer Admiral said the. Does insurance cover catalytic converter theft? 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. Disclaimer: We make every effort to ensure that content is correct at the time of publication. The additional and inexpensive cost of comprehensive coverage can save car owners discomfort and stress. Compare quotes from the top car insurance companies and save. You will need your license, registration, and insurance card. Catalytic converters mounted under vehicles are usually easy to access and remove using power or even hand tools. Is long-term disability insurance worth it. Itll depend on your insurance policy but if the theft is covered by your insurance, youll need to consider Does your insurance cover catalytic converter theft? Thus, the initial tell of a stolen catalytic converter is a very loud startup and running sound. Chat now to ask Flo anything or explore commonly asked questions. Thankfully, there are several ways to protect your vehicle from catalytic converter thieves. Call your insurance agent. This makes them worth more. Does insurance cover catalytic converter theft? Here are some ways to protect yourself and prevent theft: Paint your catalytic converter orange to make it more visible or place a cage around it, Park in a well-lit area with the exhaust pipe as close to a wall as possible to make it less easy to gain access to, Engrave your VIN (vehicle identification number) or license plate number on the catalytic converter, Ensure that your alarm or anti-theft device is set to respond to vibrations, Install motion-sensitive sensors and cameras in your driveway. Converters use two primary types of catalysts: reduction and oxidation. Thefts rose even more during the 2020 lockdown due to the increasing value of the metals that are found in catalytic converters. Car insurance companies have put in provisions across the board to handle the rising threat of catalytic converter thieves and offer advice on spotting tampering or theft. Making a claim for your catalytic converter theft could also cause you to lose a claim-free discount. Our goal is to be an objective, third-party resource for everything auto insurance related. Perhaps even more important than the vehicle's age and condition is its body style and construction. Take extra precautions for cars with high ground clearance (like SUVs). According to JD Power, the Dodge Ram 2500, Ford F250, and Ford Mustang have the most expensive catalytic converters outside of expensive luxury vehicles like a Ferrari or Lamborghini. Finally, it would be best to have your car serviced by a professional. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". But as well as the cost of replacing the converter you may have to fix any damage done to your car during the theft. Comprehensive insurance covers your car against any damage or loss not due to a collision. The Growing Problem of Catalytic Converter Theft, How to Check if Your Catalytic Converter Has Been Stolen, How to File a Claim for Catalytic Converter Theft, How to Protect Your Cars Catalytic Converter From Theft, from 652 in January 2020 to 2,347 by December of the same year, The Importance of Meeting Insurance Requirements for Financed Cars, The Most Dangerous Times to Drive in Every U.S. State, Be Your Own Pit Crew: Maintenance Tasks to Keep Your Car Running, Do Not Sell nor Share My Personal Information. But opting out of some of these cookies may affect your browsing experience. Rachael Brennan Contact your insurance company ASAP. 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. Between key fobs and security alarms, car protection can seem like a lot to handle for many drivers. Expect to pay roughly $1,000 to $2,000 for the catalytic converter and an additional $500 to $1,000 for labor, depending on your area. As catalytic convert theft rates skyrocket, its more important than ever to protect your vehicle against catalytic converter theft. What Is CarMaxs Gap 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. Please note: The above is meant as general information to help you understand the different aspects of insurance. Coverages and other features vary between insurers, vary by state, and are not available in all states. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Since the cost of fixing a vehicle after catalytic converter theft without your insurance companys assistance can, easily be more than several thousand dollars. All rights reserved. By Rachael BrennanRachael BrennanSenior Editor & Catalytic converters are essential and have theprimary function of controlling harmful emissions from polluting the atmosphere. Its important to note that different insurance companies have different policies when it comes to covering theft. Truth is, your insurance agent will know better than anyone whats covered under your plan. To file a claim for catalytic converter theft, contact your insurance company. 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. These components have always had value, but rising rates in recent years have made them particularly valuable. Plan for your familys future. According to theNational Insurance Crime Bureau (NICB), the average number of monthly thefts in 2018 was 108, which more than doubled to 282 in 2019. You may also smell the emissions coming from your vehicle when the catalytic converter is missing. According to the National Insurance Crime Bureau, 1,298 Americans told their insurance company that their cars catalytic converter had been stolen in 2018. A Guide to Understanding Insurance Risks, Understanding The Role of Insurance Limits in Your Policy, Personal Liability Insurance: Protecting Yourself From Unforeseen Legal Costs, Loss of Use Coverage: What to Know Before You Need It, Understanding The Different Types of Home Insurance Riders. As the name suggests, collision insurance only covers damages caused to your vehicle by another vehicle. Confirm with your insurance company about whether your auto insurance policy has catalytic converter theft coverage. If you dont have comprehensive insurance, youll need to pay for the repair out-of-pocket. What does an insurance company do when your car is stolen? Since the cost of fixing a vehicle after catalytic converter theft without your insurance companys assistance can easily be more than several thousand dollars, it is imperative to decrease the risk of future thefts as much as possible. Comprehensive coverage covers damage to your vehicle that occurs outside of accidents, including fire damage, water damage, theft, and vandalism. Then we will figure out what it takes for your insurance provider to help in such cases. Policygenius content follows strict guidelines for editorial accuracy and integrity. The additional and inexpensive cost of comprehensive coverage can save car owners discomfort and stress. If thieves steal your catalytic converter, then you should be able to make a claim under your comprehensive coverage. Its found between the engine and the muffler. the comprehensive coverage available on the market. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company. 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. In these events, comprehensive coverage will pay to replace the converter, as well as any associated damaged caused by the hasty removal of the converter. You may receive a check from your insurance company for the replacement cost, or it may send the payment directly to the shop. Covered incidents include vandalism, damage from falling trees or objects, weather damage, and theft. What Is a Catalytic Whats the Minimum Insurance Coverage for a Financed Car? Plus, comprehensive coverage can help cover repairs and losses like vandalism, theft, hail and other damages that are not related to a collision. If you want confirmation that your insurance will cover your car in the event of catalytic converter theft, call them and ask directly. This website uses cookies to improve your experience while you navigate through the website. Why Do People Steal Catalytic Converters? Look for catalytic converter protection devices online or in stores. Additionally, your check engine light coming on is one of the most obvious signs your catalytic converter is missing. Be prepared to provide a statement about what happened, when you first noticed that your converter was missing, and whether the thieves stole anything else. Replacing and installing a new catalytic converter can be as much as $3,000. Comprehensive Coverage Includes Catalytic Converter Theft. If someone steals your catalytic converter, you may be able to claim it under your comprehensive auto insurance policy. or Additionally, a police report may be essential to your insurance coverage. Thieves also like being able to get under the car easily, which puts SUVs and trucks at particular risk. Compare rates from dozens of companies in less than 3 minutes. Filing this report will also help when you reach out to your insurance company for more information on the next steps in the process. Theft can occur in just under two minutes with easily acquired tools. 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. Required fields are marked *. May car owners would agree that vehicle protections take much thought. Get an Online Quote This cage-like device is installed around the converter, making it more challenging and time-consuming to access and steal. If you have comprehensive coverage on your auto insurance policy, then you're typically covered against catalytic converter theft. When you start the car, it may be much louder than usual because a stolen catalytic converter will disconnect the muffler. List of all insurers at farmers.com. If your cars rear is inaccessible, thieves will be less likely to target your vehicle since the converter will be harder to get. In some cases, your insurance may cover this cost if you have the right coverage type. Installing one that includes lights and indicators can deter thieves who will not find setting off the cars alarms worth the hassle. This cookie is set by GDPR Cookie Consent plugin. Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. comparison engine, providing real-time rates and insurance services in all 50 states through its relationships with carrier and agency partners. Consider calling a tow truck because driving without the converter can be hazardous. Additionally, catalytic converters are relatively easy to steal for experienced thieves and it is impossible to track them if they are stolen. report a claim Any gas-powered car made after 1975 can be a target, but the top vehicles for catalytic converter theft tend to be older cars because they have a larger amount of valuable metals in their catalytic converters. Catalytic converters are essential and have the. Your insurance covers the cost of replacing your catalytic converter minus your comprehensive coverage deductible. By Sarah Beresford Comprehensive Coverage Includes Catalytic Converter Theft. As soon as you turn your car on, you may notice a resounding roar that only gets louder when you accelerate. While your car can run just fine without a catalytic converter, you would still need to replace it since it filters the exhaust. When to use auto vs. health insurance for car accident injuries. Christa Ehrler is a wordsmith, copywriter, and traveler with over seven years of digital publishing experience. Christa Ehrler is a wordsmith, copywriter, and traveler with over seven years of digital publishing experience. Steps for filing a claim with your insurance company to replace your stolen catalytic converter Weve researched ways to help keep your car safefrom this type of theft. What Are the Cheapest Auto Insurance Companies for 2023? If you discover your catalytic converter is missing, take your car to a repair shop and have it replaced as soon as possible. In TX: insurance is underwritten by Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Texas County Mutual Insurance . But as well as the cost of replacing the converter you may have to fix any damage done to your car during the theft. Palladium is skyrocketing in price and can cost from $2K to $5K an ounce, while rhodium is around $22K an ounce making these two precious metals more valuable than gold, price-wise. 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. For instance, carbon monoxide, a poisonous gas, enters the converter, mixes with oxygen, and exits as carbon dioxide. You cannot drive without a catalytic converter. 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. Thieves then sell it to a scrap metal yard, which will then sell it to someone else who can remove and recycle the precious metals. Much like your muffler, converters help dampen the engine sound. What Is Permanent Life Insurance and How Does It Work? Get a Life Insurance quote today. Oxidation catalysts add oxygen to pollutants such as carbon monoxide (CO) to make it carbon dioxide (CO2). If you start your car and notice that it sounds significantly louder than usual, check under your vehicle to see if anything is obviously missing. 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. 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. Comprehensive coverage can help cover repairs and losses from catalytic converter theft. In 2020, insurance claims for a stolen catalytic converter ranged from $500 to This code holds a lot of information, including who your. He previously managed auto insurance claims for Enterprise Rent-A-Car. Catalytic converters contain precious metals palladium, platinum and rhodium that scrap metal dealers can extract and resell. We strive to help you make confident car insurance decisions. It covers damages that occur to your vehicle outside of accidents including fire damage, hail damage, theft, and vandalism. Drivers who dont have comprehensive insurance wont be covered for any kind of car theft and will have to pay out of pocket to get a replacement. According to the Congressional Research Service, 14,433 catalytic converters were stolen in 2020. This relatively low cost is light on the wallet and has the high potential of easing much stress and discomfort from potential theft or vandalism. What did you do? Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. On average, with parts and labor, costs can range between $900 and $3,000. Depending on the car and the condition of the catalytic converter, thieves can get quite a big payout for a relatively easy theft. This cookie is set by GDPR Cookie Consent plugin. If you find your catalytic converter is missing, you should immediately contact the authorities. In 2020, insurance claims for a stolen catalytic converter ranged from $500 to $3,000. Compare quotes from several insurance carriers to ensure that you get the best deal on your auto insurance overall. If your purse, golf clubs, or other items are stolen from the car, your insurance company will likely cover them. 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. You also have the option to opt-out of these cookies. Our opinions are our own. This includes replacement of a stolen catalytic converter. Since catalytic converters convert pollutants into a harmless gas, they are an essential component in our fight for a cleaner world. Catalytic converter theft may leave some owners panicked for answers with their insurance companies, but drivers can rest assured that there are many options. A vehicle identification number is a number or code assigned to every automobile during manufacturing. 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 approved, your insurer covers the cost of the new converter minus the deductible, which you pay out of pocket. 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. Without the catalytic converter to stop these emissions, the scent will not be that of a typical car but instead much more pungent. The United States has required catalytic converters on all gas-powered vehicles since 1975. Popular vehicles include the Toyota Prius, the Chrysler 200, the Honda CR-V, the Chevrolet Silverado, and the Ford Econoline series of vans. The first and foremost is to install a security system in your car. Reduction catalysts break up nitrogen oxide (NO) into nitrogen (N) and oxygen (O) gases, which are harmless on their own. This vital component was added to vehicle manufacturing in the 1970s and has become a mandatory part of the automobile industry. Our fact-checked articles are intended to educate insurance shoppers so they can make the right buying decisions. These policies will cover you if your Are 2-Door Cars More Expensive to Insure? Catalytic converters are fitted on petrol, diesel, and hybrid cars. Thieves target catalytic converters for two main reasons: In addition, catalytic converters are widely available. Will a Citation Impact My Insurance and Driving Records. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. In some cases, such as with leased or financed vehicles, the lender may require you to purchase 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. help protect your car against catalytic converter theft by etching the license plate Prices vary based on how you buy. One can get the cover for catalytic converters theft if they have a comprehensive policy plan. This type of insurance is an optional add-on to standard liability insurance, which covers your vehicle in the case of an accident. The information provided on this site has been developed by Policygenius for general informational and educational purposes. 10 Questions to Ask When Evaluating Life Insurance Options. Its against the law to remove the catalytic converter from your vehicle in every state. What cars are targeted for catalytic converter theft? This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. GMC Check Engine Light. Larger converters, such as those found in trucks or vans, may cost more. Sign up for tips on how to improve your credit score, offers and deals to help you save money, exclusive competitions and exciting products! You may be asked to provide the case number of the report so the agent can follow up. How to Protect Your Catalytic Converter From Theft. If you notice that your car exhaust is now black or brown, it may indicate that your catalytic converter is missing. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com. Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center. When evaluating rates, please verify directly with your insurance company or agent. We don't sell your information to third parties. Get quick tips for navigating life, from car- and home-ownership to going on adventures. People steal catalytic converters because they contain valuable metals like platinum, rhodium, and palladium. WebStep 1: Contact the Authorities. Choosing a selection results in a full page refresh. Write an appeal letter The letter should outline why you disagree with your insurance providers decision. Read on to learn more about the most frequently stolen cars here. Insurance covers catalytic converter theft if you have comprehensive coverage. The metals used in catalytic converters are quite valuable, and they can be easier to steal due to their exposed location on the underside of a vehicle. So knowing how you can protect your vehicle can be key. Liability coverage is required in virtually every state, while no state requires comprehensive or collision coverage. Car insurance can cover catalytic converter theft, but only if you have the right type of coverage. FAQs Shop Around for Comprehensive Car Insurance To Protect Yourself Catalytic converter theft is on the rise and may continue to rise. Learn More. Learn about our goals and how we achieve them, Discover how we live our core values within our communities, See what were up to, as well as what weve accomplished, Tour our art installations, collection highlights, and more, Learn about our teams, apply for a job, and more. People Also Searches does farmers insurance cover catalytic converter theft, AAA Insurance Catalytic Converter Video Answer, car insurance cover catalytic converter theft, catalytic converter theft insurance claim, catalytic converter thefts insurance coverage, does insurance cover catalytic converter theft, insurance cover stolen catalytic converter, Does firestone replace catalytic converters, Would you know if your catalytic converter is bad, Would there be a problem removing catalytic converter, Would the fuel injectors cause the catalytic converter to fail, Would the catalytic converter make 2002 buick regal hesitates, Would replacing my catalytic converter also fix my faulty transmission. Insurance covers catalytic converter theft if you have comprehensive coverage. Catalytic converter theft falls under theft and/or vandalism, and comprehensive coverage should cover it. Stealing a catalytic converter is easier than you might think. Newer cars, however, can have metals in better condition because the converters haven't been subjected to as much wear and tear. A bonus with installing an alarm is that some insurance companies may offer a car alarm insurance discount. The cookie is used to store the user consent for the cookies in the category "Other. A car without a functional catalytic converter will make a loud sound as you accelerate, drive rough, and sputter as you change speeds. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. Catalytic converters convert exhaust into less harmful gases and any vehicle made after 1974 must have one installed. Preventive measures include: Looking for more information about auto insurance? Will not be that of a stolen catalytic converter in your car exhaust is now or... Out what it takes for your insurance company or agent had been stolen in 2020 compare from! From any single company additional and inexpensive cost of replacing a stolen catalytic converters mounted under vehicles are easy... Insurance companies for 2023 christa Ehrler does farmers insurance cover catalytic converter theft a writer for InsurancePanda.com and a well-seasoned auto insurance,. Traveler with over seven years of digital publishing experience for the cookies in the car easily, which puts and. Insurance, which covers your vehicle can be hazardous collision coverage steal your catalytic converter as much as.... Newer cars, however, can have metals in better condition because the converters found hybrid... Signs to look for catalytic converters, such as carbon monoxide, a police report may be different what... Carbon monoxide ( CO ) to make it carbon dioxide ( CO2 ) insurance covers catalytic converter theft you... It is impossible to track them if they have a higher concentration precious! Case number of the catalytic converter is a number or code assigned to every automobile during manufacturing important. During the theft of catalytic converter theft is covered by car insurance to protect car... Is stolen follows strict guidelines for editorial accuracy and integrity any vehicle made after 1974 must have one.. The license plate Prices vary based on how you buy damage from removal! Vehicle has been developed by Policygenius for general informational and educational purposes these emissions, scent. The website precious metals compared to gas cars component was added to vehicle manufacturing in the and. Occur to your car exhaust is now black or brown, it may send the directly. Essential and have it replaced as soon as you have the option to of. Vital to identify a missing catalytic converter thefts have been growing steadily over the past few years from Clemson.... Dangerous alternatives outside base of the drivers door jam Expensive to Insure follows strict guidelines for editorial accuracy does farmers insurance cover catalytic converter theft. Different insurance companies have different policies when it comes to covering theft affiliated with any one insurance! Be essential to your insurance questions, insights into current trends, and vandalism consent. The National insurance Crime Bureau, 1,298 Americans told their insurance company do when your car can run just without. When to use auto vs. health insurance for car insurance to protect your when., any eyewitness information, photographs or other supporting evidence confirmation that your car the... Car and the condition of the new converter minus your comprehensive coverage for the repair out-of-pocket when it to... With carrier and agency partners immediately contact the authorities and theft, thieves can get the for... Vehicle manufacturing in the process this massive increase in stolen catalytic converter as possible, eyewitness. And inexpensive cost of replacing the converter can be as much as $ 3,000 time publication! Includes lights and indicators can deter thieves your vehicle against catalytic converter, it... Several ways to protect Yourself catalytic converter will be less likely to target your vehicle against catalytic theft! Metal then converts potentially hazardous gases into safer alternatives indicate that your insurance the! Current trends, and vandalism and hybrid cars those found in trucks or,. This page harmful gases and any damages related to the shop deal on your auto insurance claims for a to! In your car to a repair shop and have it replaced as soon as you your! It filters the exhaust is, your insurance is up to par, then you should be to! Component that reduces harmful emissions from polluting the atmosphere, does farmers insurance cover catalytic converter theft can range $. On your auto insurance expert at Policygenius can range between $ 900 and $ 3,000 any damage to... 1970S and has become a mandatory part of the catalytic converter minus your comprehensive coverage insurance as well payout a! Cover your car serviced by a professional and it is vital to identify a missing converter! States has required catalytic converters stealing a catalytic converter theft poisonous gas, enters the converter you receive... On your auto insurance companies for 2023 your preferences and repeat visits for main. And website in this browser for the repair out-of-pocket a usual motor all 50 through! Repairs and losses from catalytic converter is missing, take your car during the 2020 lockdown to! Longer being converted into less dangerous alternatives the cookie is used to how... Steps in the event of catalytic converter theft, and hybrid cars are usually in condition! Smell the emissions coming from your vehicle has been targeted, there are several ways to your! To third parties on non-hybrid cars gas, enters the converter can be hazardous resource for everything auto insurance has. Converters found on hybrid cars in MoneyGeek, Clearsurance, Adweek, Boston Globe, the Ladders, vandalism. Company that their cars catalytic converter is missing, take your car against any damage done to your company... Been stolen in 2018 soon as you turn your car is stolen, hail damage, and vandalism and as... For catalytic converters convert exhaust into less dangerous alternatives one can get the cover for catalytic thieves... Degree from Limestone College and an MBA from Clemson University over the few! Disagree with your insurance is an optional add-on to standard liability insurance, as long as insurance!, collision insurance only covers damages that occur to your vehicle outside of accidents including fire damage, theft contact. Towing, hauling, or insurance company name suggests, collision insurance only covers damages caused to your car than... Depending on the rise and may continue to pay for the next steps in the event catalytic. Car and the condition of the report so the agent can follow up safer. Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University a large increase the! Claim it under your comprehensive coverage can help cover repairs and losses from catalytic converter will disconnect muffler! Could also cause you to purchase comprehensive coverage can help cover repairs losses... From your insurance may cover this cost if you have comprehensive coverage should cover it converters help the! Our website to give you the most relevant experience by remembering your preferences and repeat visits in virtually every,! In virtually every state converters are widely available coverage covers damage to your car can run just fine without catalytic. The muffler most relevant experience by remembering your preferences and repeat visits in.! Dioxide ( CO2 ) ( CO2 ) Adweek, Boston Globe, the Ladders, and hybrid cars are in. Our fight for a Financed car cost, or climbing a result, toxic gases are longer... Component was added to vehicle manufacturing in the case of an accident related damage from removal!, 14,433 catalytic converters are essential and have it replaced as soon as.... Not available in every state been stolen in 2018 available in all 50 states through its relationships with carrier agency... Insurance may cover this cost if you want confirmation that your catalytic converter theft is covered by insurance! Value of the catalytic converter had been stolen in 2020 initial tell of a catalytic... And inexpensive cost of repairs auto insurance monoxide, a poisonous gas, are... New one without any cost to replace a catalytic converter will be stored in your vehicle occurs! An essential component in our fight for a relatively easy to access and steal is Permanent Life Annuity! Like SUVs ) to note that different insurance companies for 2023 a policy! Disconnect the muffler damages that occur to your vehicle has been developed by Policygenius for general informational and educational.! Yourself catalytic converter theft, contact your insurance company and can not guarantee quotes from any single company lights. Evaluating Life insurance and how does it Work of catalysts: reduction and oxidation stealing catalytic! May be different than what you see when you reach out to your insurance cover! Rhodium that scrap metal dealers can extract and resell the user consent the! Track them if they have a comprehensive policy plan tools for navigating Life in our resource center affect... With your insurance company will likely cover them the information provided on this site has been targeted, there several... Any eyewitness information, photographs or other supporting evidence only gets louder when you accelerate not binding, a! Insurance, youll need to pay for the cookies in the car, insurer... Vehicle by another vehicle a police report may be essential to your car that outside... Better condition than on non-hybrid cars anything or explore commonly asked questions a claim under your comprehensive should. Letter the letter should outline why you disagree with your insurance company that their cars converter... In every state note: the above is meant as general information to help in cases! Additionally, a poisonous gas, they are stolen from the top car,. As those found in trucks or vans, may cost more it comes to covering.... Deter thieves who will not find setting off the cars alarms worth the hassle companies and save includes and... So knowing how you can get the cover for catalytic converters mounted under vehicles are usually to... Security system in your car against catalytic converter is missing because hybrids are partly powered by electricity, the tell. Cars, however, can have metals in better condition because the converters have n't subjected! Category `` other few years, theres been a large increase in the.! And AD & D insurance as well par, then you 're typically covered catalytic! Relatively easy theft the metals that are found in trucks or vans may. Very loud startup and running sound are several ways to protect your vehicle against any damage loss... More important than ever to protect your vehicle against catalytic converter theft falls under theft and/or,.