What Would You Do If Your Auto Was Broken Into?

Okay.... You walk out the door, ready to start your day. Then your heart sinks as you notice broken glass surrounding your automobile.

You are not alone. An auto break-in is a scene that too many Americans encounter each year. And after those initial feelings of shock and disappointment subside, you may be left wondering what to do next.

Here are some steps you should take if your vehicle has been broken into:
 

• Check your surroundings. Before you do anything else, look around to make sure you’re safe. Most of the time vehicle burglars are only after your valuables and quickly leave the scene. But if anything makes you feel uncomfortable, leave your vehicle and find a safe place to call for help.
   
• Record what you lost. If your auto was broken into, chances are the thief found something of value. Check for missing purses, wallets, smartphones and other electronics. Then, make a list of anything that was taken. It’s also a good idea to take photos of your vehicle damage for reference.
   
• File a police report. To make a report, call the police office’s non-emergency number – not 911. While not all break-ins can be investigated, the report will help officers track local crime trends and can provide documentation for your insurer if you file a claim.
   
• Protect yourself from identity theft. If you discover any credit or debit cards are missing, immediately notify your bank to cancel the old cards and order replacements. They’ll also help monitor your accounts for suspicious activity. 
  
• File an insurance claim. Should you file a claim or not?  Damage to your car from a break-in is typically covered under your auto policy’s comprehensive coverage, but if any of your belongings were taken, they might be covered under your homeowners or renter's policy.

 One more thing: While break-ins are never completely preventable, you can take some steps to help lower your risk. Always lock your car doors, roll up your windows and keep valuables out of sight.