AboutJames R. Berliner, CPCU Expertise My specialty is personal and busines insurance, relating to the property and casualty field. Homeowners, Auto, Business Auto, Workers Compensation, Business Interruption, Crime, Directors & Officers Liability, Employment Practices Liability, Professional Liability, General Liability, Umbrella Liability, etc.
Experience I am the owner of my own agency (established 1970), have obtained my CPCU designation, and am licensed in many states.
Organizations IIABA (Independent Insurance Agents and Brokers of America), CPCU Society, PIACT (Professional Insurance Agents of Connecticut - Board of Directors)
Question Hello Mr.Berliner,CPCU,
I've been a Master's Degree student for three years and haven't carried any auto insurance due to the fact that I haven't really driven much at all,(if that's an excuse?)
I'm going to work now and would like to carry just a basic liability automobile policy.
Can I get a liability policy that will also cover "Vehicle Theft"?...or will I have to get a "Comprehensive", separate, or "Full Coverage Policy"
Thank you very much.
Sincerely
Mike Eidson, LAc.
Answer Hi Mike,
You will need to purchase a basic auto insurance policy, and ask to have 'comprehensive' or 'Other than Collision' (these are exactly the same thing) included in the policy. This is the name of the coverage that provides protection for the theft of your vehicle. Any insurance advisor or agent can walk you through this at the time you are ready to purchase.
