Yes, car insurance can cover catalytic converter theft. If a driver’s catalytic converter is stolen, they can make a comprehensive claim and most likely have their claim paid. However, you should review the specifics of your insurance to confirm what is and is not covered. For example, your car insurance will cover the cost of replacing the catalytic converter theft, with the remaining amount being your responsibility. Furthermore, if any auto theft occurs, drivers without full coverage are not protected and must pay for an alternative vehicle out of cash.
What is a catalytic converter?
A catalytic converter is one important part of an automobile that lowers hazardous emissions. It is positioned on the underside of the automobile, between the engine and the muffler. Additionally, it has been a required component of all gas-powered cars since the 1975 model year.
It is composed of a metal-coated ceramic honeycomb (usually palladium, rhodium, and platinum) that permits hazardous elements in vehicle exhaust to recombine and change into less harmful gases. For example, toxic gas carbon monoxide enters the converter, combines with oxygen, and leaves as carbon dioxide. A three-way catalytic converter, so named because it reduces three different pollutants, is the most common form of converter found in modern automobiles.
Why Do People Steal Catalytic Converters?
Theft of catalytic converters has increased dramatically in the last several years. This is partly due to the fact that it’s an opportunity crime that’s really simple. Moreover, a skilled burglar can swiftly take a catalytic converter near a parked vehicle’s exhaust in just a few minutes, even if the vehicle is secured.
Catalytic converter theft occurs for a number of reasons, including:
- A catalytic converter contains very expensive metals such as palladium, rhodium, and platinum.
- The majority of autos have easily accessible catalytic converters, which makes them a prime target for theft.
- A catalytic converter can be stolen from a car parked in a driveway or parking lot, often unnoticed until the owner takes the car to the shop. This is because you wouldn’t be able to tell if a car was missing one by simply looking at it.
Which Cars Are the Most Frequently Targeted for Theft of Catalytic Converters
There are some cars that thieves are more likely to target than others. Among them are:
Trucks
Since pickup trucks are higher off the ground and make it simpler to crawl beneath them to get to the reward, catalytic converter thieves frequently choose them. They also frequently have larger engines, which need more expensive and substantial converters. Furthermore, particular targets include the Toyota Tacoma and the Ford F-Series.
Hybrid automobiles
Cars with hybrid engines that prioritize low emissions sometimes feature more expensive converters that make them more desirable to thieves. Additionally, attacks on the Toyota Prius are not uncommon.
Luxury vehicles
Pricey vehicles typically use pricey converters. Additionally, some high-end vehicles have several engines, which translate to too many converters. Moreover, a Ferrari F430’s catalytic converter may set you back more than $3,000.
What Steps Can I Take to Avoid Catalytic Converter Theft?
Catalytic converter theft is a common issue, so it’s crucial to prevent it from ending up on the black market. To prevent theft, remove the converter easily and allow the thief to have a few minutes alone with your car. Install an aftermarket device, such as a shield or cage, from a mechanic or local auto parts store.
Additionally, park in safer areas, such as closed garages, brightly lit areas, or busy areas with security cameras. Some car owners may also have their vehicle identification number etched on the converter for easy return.
How to Avoid Catalytic Converter Theft
You may take the following actions to stop someone from stealing your catalytic converter:
Park cautiously
If possible, place your exhaust pipe near a wall so that it will be difficult to access. If that’s not possible, attempt to park in a location with surveillance cameras or good lighting.
Get an alarm system for your automobile
If someone is attempting to steal your catalytic converter, an alarm system that reacts to vibrations can alert you.
Get a catalytic converter lock
A thief will find it more difficult and time-consuming to attempt to steal a catalytic converter with one of the several cage-style locks available.
How Much Does Catalytic Converter Replacement Cost?
The cost of replacing your stolen catalytic converter might range from $800 to $2,500. Parts for high-end vehicles may cost significantly more. Moreover, you will need comprehensive coverage, which often can cover catalytic converter components, if you want your car insurance to cover it.
That stated, filing a claim might not be worthwhile based on the replacement cost and your deductible. Furthermore, your premiums will probably increase if you file a claim. Try our insurance claims calculator to weigh your alternatives and decide which one is best for your circumstances.
How to Detect Theft of Your Catalytic Converter
Even though it might not be obvious from the outside of your automobile, you’ll know as soon as you start the engine that your catalytic converter has been taken. Additionally, your car will make a loud noise after the catalytic converter is removed, and the louder it gets, the harder you press the throttle pedal.
The following are the main signs that your catalytic converter has been removed, including:
- Loud noise at first, getting louder as you speed the automobile
- An increase in exhaust emissions or strange exhaust odors
- Missing components beneath the car that cause the muffler
- Lack of exhaust control causes uneven or sputtering acceleration.
- Examine any inspection or engine light issues.
Additionally, you may hear your automobile sputter when you change speeds or notice that it isn’t moving smoothly. Also, an increase in emissions or an increase in exhaust odors may indicate that a catalytic converter has been stolen.
Generally, comprehensive auto insurance can cover non-collision-related loss or damage to your car, including vandalism and catalytic converter theft. If your catalytic converter is stolen, you can claim it under your policy.
