Recently had a truck stolen with about $1,000 worth of fishing equipment inside. I have full coverage auto insurance from USAA insurance and the rep told me that under Texas Laws the maximum that they would reimburse me was $250. Is there any fact to this.


Submitted by: Tele-Kinetic

5 Responses to “Does Texas have a limit to the amount that insurance company’s have to pay for stolen items in your vehicle?”

1. bearr41 on December 14th, 2008 6:31 am

   Shell

   No. But your policy might cap it at that amount. Read your policy.

2. MSAD on December 14th, 2008 2:30 pm

   Stacee

   Personal property is not usually covered under the auto policy. It sounds like your auto policy gives you a small amount of coverage - 250. That’s more than a lot of policies give. Most policies give 0 for personal property that is stolen from a vehicle.

   Usually you have to file a claim against your homeowners or renters coverage for the personal property. Your homeowners deductible will apply. If you don’t have a renters or homeowners policy then you are out of luck.

   In my state - you get 0 for personal property that is stolen from a vehicle. Your only source of recovery for personal property stolen from a car is a homeowners or renters policy.

3. mbrcatz on December 14th, 2008 6:33 pm

   Shou

   No, there’s no state set limit. BUT, most policies have a limit.

   Most AUTO policies don’t cover ANYTHING in your car that’s not built in to your car, factory. So, you must have a little enhancement endorsement adding coverage for $250 of your stuff. Under MY TX policy with State Farm, I wouldn’t get a dime.

   The appropriate policy to file the claim under, is your homeowners or renters policy. That policy will cover your stuff anywhere, even in your truck.

4. ERIC B on December 17th, 2008 12:39 pm

   Sluis

   Probably best to do some homework about your confusing area.Here is a great start point.

5. Nana G on December 18th, 2008 9:53 pm

   Sandy

   I suggest you visit a nearby auto insurance agent to help. Since I live in New Jersey I can’t recommend anyone in Texas, but here is an online resource that can help you.