‘How am I gonna pay?’: LA retiree gets a nasty surprise three years after her car’s catalytic converter was stolen — and experts say it’s a common scenario. How to protect yourself

Check your part

NADA says that thieves take catalytic converters because they’re not easily traceable and have a high resale value, thanks to the rhodium, platinum, and palladium inside them. During the pandemic, thieves could sell catalytic converters from $20 to $350 on the black market.

Catalytic converters “reduce toxic emissions from internal combustion engine vehicles,” according to NADA. The auto part needs to be approved by California Air Resources Board (CARB) to pass muster during a smog check.

Hill had no idea that her replacement catalytic converter wasn’t CARB-approved. But now she has to buy a new one, which costs an average of $2,500, according to NADA.

Doug Shupe told CBS News Los Angeles that this is a common scenario. The AAA media and public relations manager said an auto parts store sold Hill the wrong aftermarket catalytic converter for her vehicle. It was then installed in her car by another party who didn’t know it was an unapproved part.

Shupe recommends that you make sure your new catalytic convertor is listed on CARB’s aftermarket catalytic converters database. You can search this on the Board’s website by inputting the make, model, and year of your vehicle.

“It is frustrating, it can cost money, it can cost extra time,” Shupe said. “But doing that extra research on the front end can save a lot of trouble down the road.”

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Check your insurance policy

When CBS News Los Angeles reached out to AAA about Hill’s story, they were moved by her unfortunate circumstances. A retired woman living on a fixed income likely can’t afford to shell out more than $2,500 for a new auto part.

AAA contacted O’Reilly Auto Parts and they agreed to pay for Hill’s new CARB-approved catalytic converter, while AAA covered the cost of its installation.

But for most people in this situation, the replacement fee may not be covered by your insurance company.

Most insurers, such as Progressive, TD, and Allstate, require that you have comprehensive coverage to cover a catalytic converter replacement after theft. Even with this insurance plan, it’s likely that you will still pay a deductible.

If you want to be extra cautious, CARB recommends buying a catalytic converter theft insurance policy.