Driving in and around Napa, CA is a pleasure with its hundreds of vineyards and beautiful hillside views. The last thing you need to worry about is people breaking into your car, but, unfortunately, that can happen in the most idyll setting. 

At Wine Valley Insurance Services, we handle claims when individuals have returned to their vehicles to find that items are missing. It is important to lock up valuables and make sure nothing important is visible to an outsider. However, even when you do everything the way you’re supposed to, misfortune can strike.

The Limits of Auto Insurance

Unfortunately, auto insurance is limited in the kinds of incidents it covers. If you are in a collision, you will be protected up to your policy limits for the kind of protection you have chosen. 

Auto insurance will also usually cover incidents like vandalism to your vehicle. However, it does not protect personal items you leave in your car.

Making Your Claim

You can claim personal items stolen from your vehicle under a different kind of policy if you have one. If you own your home, you can make a claim under your homeowner’s policy. Renters can make a claim under their renter’s insurance policy. 

Of course, once you figure out what policy you have in place that can protect you against these kinds of losses, there are other factors to consider. If the loss is small, it may not even reach the amount of your deductible. 

If you are a driver in Napa, CA, you don’t want to be surprised after a loss when you find out it isn’t covered. Call Wine Valley Insurance Services to make sure you have all the protection you need.