If my Christmas presents get stolen out of my car while I am shopping, can I make a claim on my auto insurance?
Though damage to your vehicle from a break-in would be covered under your car Comprehensive coverage if you have it, loose items like Christmas presents are not. Your Homeowners or Renters insurance would cover personal property stolen from your vehicle. But remember, you still have to pay your deductible first before any money gets paid out. It therefore, is always a good idea to hide loose items in a concealed area of your car.