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Auto insurance policy covers the section of auto theft. The coverage applies to the loss of the vehicle. The comprehensive coverage covers the loss of vehicles as well as parts of the car such as air bags. It is mandatory and also pays for fire, vandalism and weather related damages including flood and earthquakes. The likelihood that an insured car will be stolen or damaged are affected by the premium rate to be paid for comprehensive insurance at the time of loss. The value of the cars that are targets for theft or are damaged cost of vehicle body worksize claims including replacing stolen components has been going up, that it reflects the higher value of new cars on the road.