Catalytic Converter Theft: Are You Covered By Auto Insurance?

If you have comprehensive coverage on your auto insurance policy, you're typically covered against catalytic converter theft. Comprehensive coverage will usually pay to replace the stolen catalytic converter and repair any related damage from its removal. However, for those without full coverage or comprehensive coverage, theft will not be covered by insurance. Liability-only insurance policies do not cover any type of vandalism or theft, or damage related to catalytic converter removal.

Comprehensive coverage

Catalytic converters are a target for thieves because they are easy to steal and contain precious metals such as palladium, platinum, and rhodium. As such, catalytic converter theft has become increasingly common, with over 64,000 insurance claims filed in 2022, a 34.5% increase from 2020.

If you suspect that your catalytic converter has been stolen, you should first take your car to a mechanic for confirmation. Driving without a catalytic converter can be hazardous, so it is recommended that you call a tow truck to transport your vehicle. After receiving confirmation from a mechanic, you should then report the theft to the police, who will provide you with a report number. Finally, you can contact your insurance company to file a claim. They may request a copy of the police report and ask for additional information, such as your policy number and address.

It is important to note that comprehensive coverage does not cover everything, and there may be instances where your claim is denied. In such cases, you can gather evidence, write an appeal letter, and contact your state's insurance commissioner for assistance.

Claim process

If your catalytic converter has been stolen, the first step is to get confirmation from a mechanic. Driving a short distance without a catalytic converter is usually okay, but to avoid long-term damage to your vehicle, you will need to replace the catalytic converter.

Once you have confirmed the theft, the next step is to report it to your local police station. This will be useful when filing an insurance claim as the insurance company may request a copy of the report number. It will also help the police to compile information about catalytic converter theft in your area.

After notifying the police, you should contact your insurance provider to start the claim process. You can do this by calling your insurance company and letting them know that you wish to begin the claim process. They may ask for some information, such as your insurance policy number, date of birth, address, or other identifying information. They may also send you some forms to fill out or request an estimate for the cost of repair from a mechanic.

Once your claim has been approved, you can get your catalytic converter replaced. The insurer will then settle your claim by either reimbursing you for the cost of the repair or paying the repair shop directly. The time this takes varies between insurers and can be anywhere from a few hours to a few months.

If your vehicle is undrivable, your insurer will likely cover the cost of getting it towed to the repair shop if you have comprehensive coverage. They may also be able to arrange a rental vehicle for you while your car is being repaired.

Signs of theft

Loud Noises

The most obvious sign of catalytic converter theft is that your vehicle will suddenly sound much louder than usual. This is because the catalytic converter reduces the noise of your vehicle's exhaust system. Without it, your car will sound more like an airplane or a roaring jet engine, especially when accelerating.

Check Engine Light

Your car's engine control unit (ECM) monitors various sensors in the engine bay, including oxygen sensors in the exhaust system. When the ECM detects an issue with the catalytic converter, it will turn on the check engine light. However, it's important to note that it's possible for the catalytic converter to be stolen without triggering a fault code.

Headache and Carbon Monoxide Poisoning Symptoms

The catalytic converter reduces carbon monoxide emissions by 95%. When it's stolen, you're exposed to 20 times the normal amount of carbon monoxide. These fumes can enter the cabin of your vehicle, causing symptoms such as headaches, dizziness, nausea, and confusion. Carbon monoxide poisoning can be deadly, so it's important to get out of the car and seek medical help if you experience any of these symptoms.

Reduced Low-End Torque and Poor Engine Performance

Theft of the catalytic converter can result in a noticeable reduction in low-end torque, making your vehicle less responsive and affecting its overall driving performance.

Missing Parts Under Your Vehicle

The catalytic converter is part of the exhaust system, usually located after the exhaust manifold and y-pipe, but before the exhaust pipe and muffler. If it's been stolen, you'll see an empty space and exposed sections of the exhaust line with cut or saw marks.

Type of Vehicle

Certain types of vehicles are more commonly targeted for catalytic converter theft. These include trucks, SUVs, and hybrid cars like the Toyota Prius, as they have larger catalytic converters or contain more precious metals. However, any vehicle with a catalytic converter is susceptible to theft.

Theft prevention

Catalytic converter theft is a common occurrence because the metals used in catalytic converters are valuable, and they are easy to steal due to their location on the underside of a vehicle. To prevent catalytic converter theft, you can install anti-theft devices such as:

• CatStrap: This device acts as a physical barrier that encases the catalytic converter and pipe in a high-temperature strap with a heat-activated adhesive strip and stainless steel ties. It is made of ultra-hardened steel that can destroy saw blades and is designed with three layers of dissimilar metals that move independently, making it difficult for thieves to cut through. It also has a bright orange strip that serves as a visible warning to potential thieves.
• Cateye Alarm: This motion-sensor alarm is installed under the vehicle and activates a 130 dB siren when it detects human activity. It has a range of 1-20 feet and a 140-degree field of view, covering the entire area under the car. The loud noise acts as a sonic deterrent, forcing thieves to leave before they can complete the theft.
• DyeDefender: This device has an intimidating appearance and sprays a mist of blue staining dye when cut, which can help identify thieves as the dye is difficult to remove from skin and clothing.

In addition to installing anti-theft devices, you can also consider the following tips to prevent catalytic converter theft:

• Check how your converter is attached. Bolt-on converters are easier to steal than welded ones.
• Park in well-lit areas or in a locked garage if possible.
• Install security cameras or motion-activated lights to monitor your vehicle.
• Etch your vehicle identification number (VIN) onto the catalytic converter, making it easier to identify if it is stolen.

Repair options

If your catalytic converter has been stolen, you should take your car to a mechanic immediately. Driving without a catalytic converter can be hazardous and may cause long-term damage to your vehicle.

If your catalytic converter has been stolen, you will need to get it replaced. This process is not particularly time-consuming, but the wait time depends on the availability of parts for your vehicle.

First, you will need to find a replacement converter. The replacement must be from the Original Equipment Manufacturer (OEM) or a California Air Resources Board-approved aftermarket converter with an assigned Executive Order (EO) number that meets the exact requirements for your vehicle. You can use BAR's Auto Shop Locator to find a Smog Check station to complete the installation. If you are having trouble finding a replacement, you can contact the vehicle manufacturer or Smog Check Referee for assistance.

The replacement converter should be installed as soon as possible to avoid potential problems and damage to your vehicle. It must be installed before your vehicle's next Smog Check.

The cost of replacing a stolen catalytic converter can be covered by insurance, but this depends on your policy. If you have comprehensive coverage, you will typically be covered against catalytic converter theft. Your insurance company may want to inspect the vehicle to assess the damage or ask for supporting materials such as a police report. They may also suggest a specific repair shop or leave it up to you to choose one.

To prevent future theft, you can install a theft prevention device such as a protective plate, shield, clamp, cage, strap, or other devices to secure your new catalytic converter. You can also mark your catalytic converter by engraving or etching it with your Vehicle Identification Number (VIN) or license plate number. This may deter theft and alert scrap dealers that the device is stolen. Additionally, you can adjust your vehicle's alarm to detect vibrations, which can alert you to any theft attempts.

Frequently asked questions