Can I Claim Insurance If My Catalytic Converter Is Stolen?
3 Answers
Yes, you can claim insurance if your catalytic converter is stolen. Below is a partial introduction to auto insurance: Components: Auto insurance generally consists of two parts: basic insurance and additional insurance. Basic insurance is further divided into vehicle damage insurance and third-party liability insurance. Coverage: Vehicle damage insurance compensates for the loss of your own vehicle; third-party liability insurance compensates for damages to targets outside your own vehicle, such as people and public property you hit, or the other party's car, etc.; passenger liability insurance compensates for personal and property losses within your own vehicle; theft insurance compensates for the theft of your own vehicle; no-deductible coverage ensures 100% compensation in case of an accident. If you do not purchase no-deductible coverage, you will be responsible for 30% of the deductible for each accident.
I had my catalytic converter stolen a while ago, and yes, you can file an insurance claim as long as you have comprehensive coverage, such as the theft protection included in your auto damage insurance. When I started my car and noticed an unusually loud noise, I checked and realized the catalytic converter was gone. I immediately called my insurance company to report the incident. They asked me to first file a police report and obtain a case record, then arranged for a damage assessment. Since catalytic converters are made of precious metals, thieves specifically target them, and the repair costs are quite high—several thousand yuan. After the insurance claim was processed, they deducted the deductible, and I only had to pay a small portion to settle it. So, friends, it’s important to develop good habits: always park in safe locations, avoid parking in remote corners for convenience, and minimize the risk of being targeted. Regularly checking the undercarriage protection helps, and installing an anti-theft cover or alarm is even safer. In short, filing an insurance claim is feasible—don’t hesitate and handle it promptly to avoid greater losses.
As someone who frequently repairs cars, I've seen too many cases of catalytic converters being stolen. This part is located under the car, making it an easy target for thieves who sell the metals inside for money. If you want to file an insurance claim, comprehensive coverage usually includes this situation. But remember, don't move the car immediately—contact your insurance company first, and they will guide you on filing a police report and obtaining proof. During the repair process, we will replace the catalytic converter with a new one, but the insurance assessment may only cover part of the cost due to depreciation. I usually recommend car owners take anti-theft measures, such as installing fixed brackets or welding it to the chassis, to reduce the chance of easy theft. When it comes to reporting to the police, don't delay—evidence is harder to find later. After filing the insurance claim, make sure to follow up on the details of the settlement to avoid loopholes affecting overall vehicle safety. When repairing cars, if we spot such issues, we remind customers to schedule regular maintenance checks to prevent secondary damage.
