Few things are more frustrating than discovering that your vehicle has been stolen. Beyond the immediate stress, many drivers quickly wonder whether their auto insurance will help pay for the loss. The answer depends largely on the type of coverage included in the policy. Liability insurance alone generally does not protect against vehicle theft, while comprehensive coverage may provide protection for a stolen vehicle, subject to the policy's terms, deductible, limits, and exclusions. Understanding how theft coverage works—and what steps to take after a theft—can help drivers respond quickly and avoid unnecessary financial surprises.