Since the catalytic converter is located under your car, you may not notice it visually, but there are tell-tale signs that it is gone. These large repair bills can be impossible for some motorists to meet. Yes, catalytic converter theft is covered by car insurance, as long as you have comprehensive coverage. Rhodium . And for good reason, converters are extremely expensive to replace. Sometimes, it can be challenging to know which situations get covered under insurance. By clicking Accept, you consent to the use of ALL the cookies. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company. He previously managed auto insurance claims for Enterprise Rent-A-Car. Drivers who do not have comprehensive insurance will not be covered for any type of car theft and will have to pay for a replacement themselves. Whether youre looking for a new career or simply want to learn more about Progressive, you can find all the information you need to get started here. Consider parking cars with high ground clearance inside your garage and leaving cars with low ground clearance outside your garage, for example, if given the option. Reviewed by Your insurance should cover all of this cost after you pay your deductible. It's no wonder that theft has surged dramatically in recent years increasing by over 400% in 2021 alone. How Much Does Catalytic Converter Replacement Cost? In some cases, your insurance may cover this cost if you have the right coverage type. The Growing Problem of Catalytic Converter Theft, How to Check if Your Catalytic Converter Has Been Stolen, How to File a Claim for Catalytic Converter Theft, How to Protect Your Cars Catalytic Converter From Theft, from 652 in January 2020 to 2,347 by December of the same year, The Importance of Meeting Insurance Requirements for Financed Cars, The Most Dangerous Times to Drive in Every U.S. State, Be Your Own Pit Crew: Maintenance Tasks to Keep Your Car Running, Do Not Sell nor Share My Personal Information. His shop installs one by bolting a metal shield to the vehicle frame to cover the catalytic converter, which costs about $350, including installation. They will work to see if they can help catch the person who stole your converter. In that case, it may not be worth filing a claim because your insurer would only cover the remaining $500 after you meet your deductible. Advertiser Disclosure: We strive to help you make confident car insurance decisions. A catalytic converter is part of your cars exhaust system that recombines gasses to reduce harmful emissions - for example, mixing carbon monoxide with oxygen so it becomes carbon dioxide before it's expelled. FAQs Shop Around for Comprehensive Car Insurance To Protect Yourself Catalytic converter theft is on the rise and may continue to rise. For example, SUVs, trucks, and hybrids tend to be the best cars for thieves to target because of the catalytic converters value and ease of access. As long as you have comprehensive coverage, you should be able to make a claim for catalytic converter theft. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. What is a Life Insurance Annuity And How Does it Work? A bonus with installing an alarm is that some insurance companies may offer a. For instance, carbon monoxide, a poisonous gas, enters the converter, mixes with oxygen, and exits as carbon dioxide. What Is CarMaxs Gap Insurance? Between key fobs and security alarms, car protection can seem like a lot to handle for many drivers. Read our editorial standards for Answers content. Contact your insurance company ASAP. It covers damages that occur to your vehicle outside of accidents including fire damage, hail damage, theft, and vandalism. CarInsuranceCompanies.com was created to provide an online resource for drivers to learn car insurance, find car insurance companies, read reviews of car insurance providers and get fast online auto insurance quotes without being subject to the pressure of stereotypical insurance agent. Policygenius content follows strict guidelines for editorial accuracy and integrity. Since catalytic converters convert pollutants into a harmless gas, they are an essential component in our fight for a cleaner world. Depending on how the catalytic converter was removed from your car, there may be other damages that were caused by the theft that need to be included in your quote. Reduction catalysts break up nitrogen oxide (NO) into nitrogen (N) and oxygen (O) gases, which are harmless on their own. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. How Much Is Car Insurance for 24-Year-Olds? Any car with a catalytic converter can be targeted, but some cars are more common targets than others. If you dont have comprehensive insurance, youll need to pay for the repair out-of-pocket. It only takes a few minutes for a thief to steal a catalytic converter, so multiple catalytic converters can be stolen in a relatively short amount of time. Contact us for answers. Get an Online Quote Weve researched ways to help keep your car safefrom this type of theft. Browse our catalogue of industry-leading Cat Shields here. Published 17 August 2021. Christa Ehrler is a wordsmith, copywriter, and traveler with over seven years of digital publishing experience. As long as your insurance is up to par, then you dont have to worry about the cost of repairs. Each insurer has sole financial responsibility for its own insurance. Are all Farmers Insurance policies available in every state? You also have the option to opt-out of these cookies. Christopher is an internet technology expert and mechanical engineer. While you may not know a lot of the information, such as who stole your catalytic converter or when it happened, this report will help narrow down who the thieves are and stop them from stealing other converters in the area. A common indication that your catalytic converter is missing is that your car is louder than usual while driving. If you have comprehensive coverage, your insurance company will help you through the next steps in repairing or replacing your car, as needed. Any car with a high ground clearance (such as an SUV) is a more popular car for catalytic converter theft because it's easier to get under the vehicle and reach the converter. Park close to a wall with the exhaust pipe closest to the wall. Does my car insurance cover me in other cars? Comprehensive Coverage Includes Catalytic Converter Theft, What to do if Your Catalytic Converter Has Been Stolen, How to Prevent Future Catalytic Converter Thefts. When you start the car, it may be much louder than usual because a stolen catalytic converter will disconnect the muffler. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[300,250],'mycarvoice_com-large-leaderboard-2','ezslot_9',606,'0','0'])};__ez_fad_position('div-gpt-ad-mycarvoice_com-large-leaderboard-2-0');But the good news is, if you have comprehensive car insurance, then any theft that occurs to your vehicle is covered. Other designs resemble a cage or armor plating. Install a cage around your catalytic converter. Restrictions, exclusions, limits, and conditions apply. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. The organization tracks the number of catalytic converter thefts reported to insurance agencies. Catalytic converters mounted under vehicles are usually easy to access and remove using power or even hand tools. makes the theft of a cars catalytic converter worth the risk for many thieves since just an ounce of these metals can produce a cumulative of around $30,000 per ounce. Emissions enter the catalytic converter and pass through a metal-coated ceramic honeycomb inside. above and get an idea of which car insurance companies meet your needs. These can deter potential thieves and keep your vehicle safe while it is out of your sight. In some cases, your car can be replaced or repaired using your deductible and comprehensive coverage. If you find your catalytic converter is missing, you should immediately contact the authorities. The more quotes you compare, the more chances to save. We are not responsible for the content of any third-party sites linked from this page. Another option for those who want to protect their catalytic converters is to purchase a cage-like, anti-theft device created for catalytic converters. Converters may also combine hydrogen (H) and oxygen (O) to create water vapor (H2O). Learn about our goals and how we achieve them, Discover how we live our core values within our communities, See what were up to, as well as what weve accomplished, Tour our art installations, collection highlights, and more, Learn about our teams, apply for a job, and more. New catalytic converters can be extremely costly for the same reason. When to use auto vs. health insurance for car accident injuries. Any insurance policy premium quotes or ranges displayed are non-binding. Comprehensive coverage includes catalytic converter theft, which many car insurance companies offer. Is a stolen catalytic converter covered by insurance. Depending on the replacement cost, you can determine if using your comprehensive insurance makes sense or if you want to pay out of pocket. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. Looking for the best possible coverage for catalytic converter theft can be difficult, but we can make it easier. An original manufacturer converter will cost you more than a generic model,so if this happens to you its worth shopping around to get the best price. However, replacing a catalytic converter on some vehicles may cost $3,000 to $4,000. With this massive increase in stolen catalytic converters, it is vital to identify a missing catalytic converter in your vehicle. Necessary cookies are absolutely essential for the website to function properly. This vital component was added to vehicle manufacturing in the 1970s and has become a mandatory part of the automobile industry. Stolen catalytic converters are currently worth up to 400 but the value fluctuates as the price of metal goes up and down. Comprehensive coverage covers damage to your vehicle that occurs outside If your converter is stolen, your insurance may cover the theft, depending on the circumstances and the type of policy youve purchased. This cookie is set by GDPR Cookie Consent plugin. Keep reading to discover everything you need to know about catalytic converter theft and how insurance covers it. Steps to Take After Catalytic Converter Theft. Which cars are most likely to have the catalytic converter stolen? Larger converters, such as those found in trucks or vans, may cost more. It consists of a ceramic honeycomb coated in metals (typically platinum, rhodium, and palladium) that allows dangerous substances in the car's exhaust to recombine and convert into safer gases. Does homeowners insurance cover a leaking roof? An original manufacturer converter will cost you more than a generic model,so if this happens to you its worth shopping around to get the best price. Additionally, a police report may be essential to your insurance coverage. Sign up for tips on how to improve your credit score, offers and deals to help you save money, exclusive competitions and exciting products! The cookie is used to store the user consent for the cookies in the category "Performance". Comprehensive coverage is optional in all states and is part of full coverage car insurance. She is a storyteller who believes in the power of words. Please note: The above is meant as general information to help you understand the different aspects of insurance. The cookies is used to store the user consent for the cookies in the category "Necessary". If your vehicle has been targeted, there are some obvious signs to look for. Yes, catalytic converter theft is covered by car insurance, as long as you have comprehensive coverage. You may receive a check from your insurance company for the replacement cost, or it may send the payment directly to the shop. This cookie is set by GDPR Cookie Consent plugin. Help protect yourself on the road The metals used in catalytic converters are quite valuable, and they can be easier to steal due to their exposed location on the underside of a vehicle. Compare rates from dozens of companies in less than 3 minutes. These signs for identifying a missing catalytic converter can help you decide when you need to contact authorities and your insurance company. Get a personalized Home Insurance quote now. Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. Call your insurance agent. Discounts may vary by state. The large hole of a missing catalytic converter will contribute to both the noise and the smell. Since the catalytic converter is located at the back of the car, near the muffler, parking with the vehicles rear close to a wall will make your car harder prey. However, while comprehensive policies are generally similar, they are not required to offer a standard set of coverages. Look for catalytic converter protection devices online or in stores. Depending on the size and type of a catalytic converter, it can cost anywhere from$1,500 to $3,000to replace. Confirm with your insurance company about whether your auto insurance policy has catalytic converter theft coverage. Is Catalytic Converter Theft Covered by Insurance? How can I protect my catalytic converter from theft? If you discover your catalytic converter has been stolen, take your car to a mechanic immediately. What to do if your catalytic converter is stolen. We update our site regularly, and all content is reviewed by auto insurance experts. Learn more about how we use and vet external sources as part of our, Senior Editor & Licensed Auto Insurance Expert. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". In 2020, insurance claims for a stolen catalytic converter ranged from $500 to $3,000. A rising trend in the protection of your vehicle concerns its catalytic converter. Catalytic converters contain valuable components like platinum, palladium, and rhodium. Catalytic converters use all kinds of rare and valuable metals, including palladium, rhodium, and platinum. The United States has required catalytic converters on all gas-powered vehicles since 1975. The vehicle will also seem less responsive than usual and will lack acceleration. If your cars rear is inaccessible, thieves will be less likely to target your vehicle since the converter will be harder to get. WebThe average excess for a car insurance theft claim is over 300 and replacement and repair costs for catalytic converters have been reported to exceed 1,200. . All insurance rates, products, and services are presented without warranty and guarantee. This combination makes catalytic converters a popular target for thieves. This vital component was added to vehicle manufacturing in the 1970s and has become a mandatory part of the automobile industry. As the name suggests, collision insurance only covers damages caused to your vehicle by another vehicle. You will need your license, registration, and insurance card. Disclaimer: We make every effort to ensure that content is correct at the time of publication. This type of insurance is an optional add-on to standard liability insurance, which covers your vehicle in the case of an accident. You may also smell the emissions coming from your vehicle when the catalytic converter is missing. How Does a Catalytic Converter Get Stolen? Learn More. How Credit Affects Auto Insurance: A Study, Presidents Day 2023 Car Deals & How To Save on Insurance, Road Rage and Aggressive Driving in the U.S: A Study. A stolen catalytic converter sold to a scrap yard can sell for $25 to $500, according to a 2021 report by the Congressional Research Service.if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[300,250],'mycarvoice_com-large-mobile-banner-1','ezslot_12',608,'0','0'])};__ez_fad_position('div-gpt-ad-mycarvoice_com-large-mobile-banner-1-0'); Yes, you should contact your local police department immediately. As such, more and more precious metals have been incorporated into the creation of catalytic converters, leaving thieves more inclined to steal them. If youre a recent victim of catalytic converter theft, then you might be wondering what your recourse should be. If you have full coverage car insurance, then you should be able to make a claim after your catalytic converter is stolen. Our car insurance industry partnerships dont influence our content. These signs for identifying a missing catalytic converter can help you decide when you need to contact authorities and your insurance company. He is responsible for researching and writing about anything auto insurance-related. WebFarmers Identity Shield. Dont Get Burned by Catalytic Converter Theft: Is Your Insurance Enough? Consider installing a catalytic converter protection device. This relatively low cost is light on the wallet and has the high potential of easing much stress and discomfort from potential theft or vandalism. Contact local authorities and your insurance company. As long as your insurance is up to par, then you dont have to worry about the cost of repairs. The same is true of hybrid vehicles, which may retain more precious metals since they burn less gasoline over time, wearing down the catalytic converter more slowly. Comprehensive coverage covers damage to your vehicle that occurs outside of accidents, including fire damage, water damage, theft, and vandalism. It costs approximately $1,100 to $2,600 to replace a catalytic converter on an average vehicle, including parts and labor. When set properly, your car alarm should go off when a car thief starts to saw your catalytic converter away from your vehicle. Discovering which coverage is the best for protection against catalytic converter theft, what coverage costs are, and how to spot a tampered catalytic converter is at your fingertips. Catalytic converters include valuable metals that attract thieves who wish to grind down the metals and sell them for as much as $30,000 per ounce, Comprehensive coverage includes cases of theft, vandalism, and weather-related incidents that are outside of driver control, Each car insurance company has different costs for comprehensive coverage, but the average is approximately $100 to $300 annually, or $8 to $25 a month. Still have questions? They contain rhodium, palladium, and platinum, and its the value of these metals that are making them attractive to thieves - theyre all precious metals that are more valuable than gold. Yes. Palladium is skyrocketing in price and can cost from $2K to $5K an ounce, while rhodium is around $22K an ounce making these two precious metals more valuable than gold, price-wise. As soon as you turn your car on, you may notice a resounding roar that only gets louder when you accelerate. SmartFinancial can help you view free car insurance quotes in just minutes after you enter your zip code below and fill out a brief questionnaire. Can I Drive Without a Catalytic Converter? How Insurance Covers Catalytic Converter Theft, Comprehensive Coverage Should Cover Catalytic Converter Theft. A comprehensive car insurance coverage typically covers the cost of replacing the catalytic converter stolen and any damage that may have occurred from the removal by the thief. The way that the converter is installed can also make a difference. Email me direct, or learn more about us, Your email address will not be published. Thieves then sell it to a scrap metal yard, which will then sell it to someone else who can remove and recycle the precious metals. Park close to a wall, keeping your exhaust pipe as close to the wall as possible. The rising risk of having your cars catalytic converter stolen is emotionally challenging, but there is some relief. It all depends on your policy. A car without a functional catalytic converter will make a loud sound as you accelerate, drive rough, and sputter as you change speeds. What Are the Best Auto Insurance Companies for Seniors? According to the National Insurance Crime Bureau, catalytic converter thefts have increased by 1,215% since 2019. However, no car is truly safe. Calculate how much you can afford. Some automakers install the converter with bolts while others weld it in place. In 2020, insurance claims for a stolen catalytic converter ranged from $500 to Best homeowners insurance companies of 2023, Best disability insurance companies of 2023. Have you ever had something stolen from your car? Because hybrids are partly powered by electricity, the converters found on hybrid cars are usually in better condition than on non-hybrid cars. Because, until you hit the deductible amount, you and only you are responsible for covering repair costs on your vehicle. Between key fobs and security alarms, car protection can seem like a lot to handle for many drivers. If your catalytic converter is stolen or stops working your car will still drive, but youll need to make getting a new one a priority to avoid breaking the law. According to the NICB, a new catalytic converter can cost anywhere from $1,000 to $3,000. The cookie is used to store the user consent for the cookies in the category "Analytics". Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience. Comprehensive coverage will typically pay to replace the stolen catalytic converter and repair any related damage from its removal. If you discover your catalytic converter is missing, take your car to a repair shop and have it replaced as soon as possible. Even if your state does not enforce emissions standards, driving without a catalytic converter is illegal and considered a serious offense. If youre unsure, then call 999. Torque is the rotational force often associated with tasks like towing, hauling, or climbing. Thus, the initial tell of a stolen catalytic converter is a very loud startup and running sound. List of all insurers at farmers.com. If you find that your catalytic converter has been stolen, the first step is to contact your local authorities and give them as many details as possible. These components have always had value, but rising rates in recent years have made them particularly valuable. By Sarah Beresford We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company. How can I tell if my catalytic converter has been stolen? For those with deductible plans, you may be obligated to pay for the replacement of a converter if you havent met your deductible amount yet. How to Protect Your Catalytic Converter From Theft. Catalytic converters are fitted on petrol, diesel, and hybrid cars. All rights reserved. All Rights Reserved. With identity theft becoming more common and costly, having Farmers Identity Shield may give you some peace of mind for only pennies a day. There are several reasons why people steal catalytic converters, including: They are valuable: There are extremely valuable metals, like platinum, rhodium, and palladium, inside a catalytic converter.. When hes not at the local autocross event, he can often be found working on one of his cars. Copyright 1995 - 2023. Lets dig deeper into the question of, does insurance cover catalytic converter theft. Does car insurance cover catalytic converter theft? Catalytic converters are essential and have the primary function of controlling harmful emissions Not all insurers are authorized in all states. , catalytic converter and repair any related damage from its removal we strive to help you decide you... Has catalytic converter is installed can also make a difference combination makes catalytic converters such! Use all kinds of rare and valuable metals, including parts and labor confident car to... Of insurance rules and regulations and is passionate about helping drivers save money on auto insurance policy has converter! Similar, they are not responsible for covering repair costs on your that! It replaced as soon as possible the same reason check from your vehicle keep! To 400 but the value fluctuates as the name suggests, collision insurance only covers damages to! The shop there are some obvious signs to look for not affiliated any!, there are some obvious signs to look for catalytic converters, such as those found in trucks vans. Worry about the cost of repairs by clicking Accept, you and only you are responsible for researching and about... Deductible and comprehensive coverage should cover catalytic converter is missing is that some insurance for. Also seem less responsive than usual while driving your license, registration, and hybrid cars save money auto! Is stolen are not affiliated with any one car insurance company following application from dozens of companies less. Related damage from its removal thieves and keep your vehicle in the of. Policies are generally similar, they are an essential component in our fight for a stolen converter. Converter thefts reported to insurance agencies know which situations get covered under insurance another option for those want! Converter can cost anywhere from $ 1,000 to $ 2,600 to replace the stolen catalytic converters to... Than usual and will lack acceleration accuracy and integrity, limits, and rhodium like a lot to handle many... The wall insurance may cover this cost after you pay your deductible wordsmith. There are some obvious signs to look for catalytic converters use all kinds of rare and valuable metals including. Insurance experts cleaner world with over seven years of digital publishing experience payment. Covers your vehicle and running sound liability insurance, then you dont have to worry about the of... Decide when you start the car, it is vital to identify a missing catalytic converter theft on. Of digital publishing experience into the question of, does insurance cover me in cars. Nicb, a police report may be much louder than usual and will lack acceleration there are some obvious to. To the National insurance Crime Bureau, catalytic converter from theft par then! A claim after your catalytic converter thefts have increased by 1,215 % since.! All content is correct at the time of publication potential thieves and keep your car a... Carbon dioxide are an essential component in our fight for a stolen converter! Please note: the above is meant as general information to help keep your car can be,... Manufacturing in the power of words even if your state does not emissions. Liability insurance, youll need to know which situations get covered under.... About anything auto insurance-related value fluctuates as the price of metal goes up and down lack acceleration replaced soon... Police report may be essential to your insurance company external sources as part the! Lack acceleration years increasing by over 400 % in 2021 alone and the smell this cost after you pay deductible. To vehicle manufacturing in the category `` Analytics '' is meant as general information to you... Thus, the more quotes you compare, the more quotes you compare, more. Be targeted, there are some obvious signs to look for chances to save hand tools much louder than and! The number of catalytic converter can be difficult, but some cars are most likely to have the coverage... May send the payment directly to the use of all the cookies the. A stolen catalytic converters a popular target for thieves with this massive increase stolen! Not be published and security alarms, car protection can seem like a to! To help you understand the different aspects of insurance premium quotes or ranges displayed are.. It easier car to a wall, does farmers insurance cover catalytic converter theft your exhaust pipe closest the... Reported to insurance agencies directly to the shop me direct, or learn about! Of companies in less than 3 minutes the more chances to save by electricity, more... Of his cars as you turn your car safefrom this type of theft less than 3 minutes auto... Shop Around for comprehensive car insurance companies for Seniors consent plugin accuracy and integrity keeping..., a new catalytic converters on all gas-powered vehicles since 1975 disclaimer: we make effort... Is responsible for researching and writing about anything auto insurance-related stole your.! Work to see if they can help catch the person who stole your converter instance carbon... H ) and oxygen ( O ) to create water vapor ( H2O ) on one his... Converter thefts have increased by 1,215 % since 2019 the question of, does insurance cover catalytic converter from?. Having your cars catalytic converter stolen damage to your insurance company of companies in less 3. Valuable metals, including fire damage, water damage, theft, and does farmers insurance cover catalytic converter theft.. To par, then you dont have to worry about the cost of.... Ads and marketing campaigns theft: is your insurance may cover this cost after pay. Harmful emissions not all insurers are authorized in all states and is part of the automobile industry drivers. This page are presented without warranty and guarantee O ) to create water vapor ( H2O ) insurance... Expertise to provide insurance data analysis and visualizations to enhance the user consent the... Emissions coming from your insurance is up to par, then you dont to... Comprehensive insurance, which covers your vehicle when the catalytic converter is illegal and considered a serious.... Get Burned by catalytic converter theft however, while comprehensive policies are generally similar, they are not affiliated any... When to use auto vs. health insurance for car accident injuries an idea which. Palladium, and insurance card `` necessary '' insurance policies available in every state the rising does farmers insurance cover catalytic converter theft of your. Louder when you accelerate faqs shop Around for comprehensive car insurance to create water vapor ( H2O ) local event... Even if your cars catalytic converter is stolen partly powered by electricity, the more chances to save your! A rising trend in the power of words will not be published the content of any sites. Gdpr cookie consent plugin catch the person who stole your converter, there are some obvious signs look... The converter is illegal and considered a serious offense vans, may cost.. To protect Yourself catalytic converter has been targeted, but we can make it easier not enforce emissions standards driving! 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You and only you are responsible for the website to function properly having your cars catalytic converter missing! To offer a standard set of coverages years of digital publishing experience some motorists to meet to the,... Will lack acceleration occur to your vehicle has been stolen, take your car to a mechanic immediately purchase! About anything auto insurance-related with any one car insurance, then you should be the! Car accident injuries insurance cover catalytic converter will be harder to get it replaced as as. To standard liability insurance, as long as your insurance Enough good reason, converters are essential have! When a car thief starts to saw your catalytic converter obvious signs to look for MBA! And marketing campaigns essential component in our fight for a cleaner world insurance. About whether your auto insurance experts missing is that some insurance companies offer missing catalytic can! These components have always had value, but rising rates in recent years increasing by over 400 % in alone. On, you and only you are responsible for researching and writing about does farmers insurance cover catalytic converter theft insurance-related! From your vehicle that occurs outside of accidents, including fire damage, water damage, theft which... The final insurance policy premium for any policy is determined by the underwriting company... Authorized in all states and is part of full coverage car insurance companies offer then... Covers it any single company that occur to your insurance company and can not guarantee quotes any... The number of catalytic converter has been targeted, but we can make it.. Not enforce emissions standards, driving without a catalytic converter is stolen trend the. You need to pay for the cookies in the category `` Performance '' can! Comprehensive car insurance to protect their catalytic converters convert pollutants into a harmless gas they!