In other words, its a good idea to do some homework to make sure the payout will be what you need to repair or replace your items. Last but not least, youll need to think about your deductible. No fees, ever. Contact your insurance company ASAP. Renters insurance covers almost all of your belongings against theft, including your favorite pair of jeans and your go-to workout ensemble. By Greg Mills What to do if you see someone stealing a Subaru catalytic converter, The same advice youll see plastered on posters at a New York City subway stop also applies if you see someone stealing a catalytic converter, , it increases the odds that the catalytic converter can be retrieved. Thieves , A catalytic converter is a key automotive component that reduces harmful emissions. Then, you have the price of car Read More, In the state of Indiana, if youve been cited for driving without auto insurance, or if youve committed a serious moving violation or other infraction on the road, you may need to obtain a document called an SR-22. By Meghan Wentland | Updated Jan 19, 2023 1:40 PM. Affordable options can be found online, and you can even bring a shield into a shop for professional installation., . Since there are more Toyotas on the road than just about every other make, they will have more catalytic converters stolenits just math. Renters insurance covers your personal belongings, so if someone steals any of those items, you can file a renters insurance . But what does renters insurance actually cover you for? A Catalytic Converter, or "Cat," is a device typically used with internal combustion engines that neutralizes emissions expelled from the vehicle's exhaust. According to the National Insurance Crime Bureau (NICB) In 2018, the average monthly thefts was 108. that make it much harder for thieves to cut your catalytic converter loose. But what really makes catalytic converters an appealing target is how easy they are to steal. The jetsetters guide to a stress-free trip. Here at Lemonade, if your theft claim is approved, in most cases youll receive the replacement cost back in your pocket (minus your deductible, of course.) Almost all kinds of possessions are covered except for motor vehicles and pets. The risk of getting noticed can sometimes be enough to deter a thief, which could make motion-sensitive lights for your driveway a worthy consideration. Solved! That way, you wont have any creepy unplanned visits from old tenants or be vulnerable to burglary. Thieves typically get to them by crawling underneath a parked vehicle, although they may use a portable jack . Find insurance savings it's 100% free, Compare Free Quotes (& Save Hundreds per Year! Whether it does and how much GEICO will payout in a specific instance depends on the coverage on the policy, the deductible, the value of the vehicle and the cost to repair it. For older-model vehicles, its not uncommon for a stolen catalytic converter to produce a total loss, although the car is otherwise undamaged. However, if you have comprehensive insurance coverage, the theft of a catalytic converter will be covered by your policy. It has not been previewed, commissioned or otherwise endorsed by any of our network partners. Hopefully you never need to experience this firsthand, but with 6.42 million property theft cases in the US in 2021, per Statista, renters insurance provides much-needed peace of mind that your stuff is covered if you fall victim to theft. Lets be honest, life aint a piece of cake. If you are the victim of a theft, however, finding that youve underinsured the value of your possessions or fallen into one of the coverage loopholes (left the garage door openagain!) how much your stuff is worth, check out this quick guide. Otherwise, if your jewelry was worth more than $1,500 and it wasnt properly insured, you may be in a bit of a pickle. Why now? Why? Because the engine in hybrid vehicles is . A typical policy premium falls between $15 and $30 per month, depending on the location and size of your rental, as well as the value of your possessions. Most people tend to underestimate the value of what they own, probably because its been acquired over years from a variety of sources. Tally up your total; thats the amount of insurance youll need to cover your home. Theft of this pricey part rose 325 percent nationwide between 2019 and 2020, according to the National Insurance Crime Bureau . Youll be offered several deductible amount options, with lower deductibles usually resulting in higher premium costs and higher deductibles correlating with lower premium costs. Park Securely: Park in a secure a garage if you have the option to or park in busy, well -lit areas, away from any suspicious activity. How, exactly, can a renters policy help soften the blow? When you purchase a homeowners insurance policy, it comes with coverage for your house and its belongings from theft. Yes, Catalytic converter theft is usually covered by comprehensive auto insurance if the insurance package you have is an all-inclusive comprehensive plan. Items of significant value, such as fine art, jewelry, and furs generally need additional coverage. From 2008 to 2015, vehicle owners reported 25,394 thefts, according to the National Insurance Crime Bureau (NICB). If youre in a rush, feel free to check out our brief summary below. If you own a Toyota, you need to understand why your Toyota is such a prime target for theft and how to keep this expensive part protected with anti-theft devices and additional, How to save on Toyota car insurance costs. Coating the catalytic converter in high-heat paint can act as a warning to thieves and help law enforcement track it down if it is stolen. As with many insurance questions, the answer is: it depends. Yes, renters insurance covers stolen cash, but only up to $200. We encounter all sorts of obstacles along the wayand theft is, unfortunately, one of em. Our claims representatives are available 24-hours a day, 7 days a week to help you. Over the last few years, there's been a large increase in the theft of catalytic converters. Before you decide youre finished with your valuation, though, theres one more thing to consider. Catalytic converter thefts are rising. : Toyota has built a reputation on reliability and efficiency, and the addition of their Prius has made them one of the biggest hybrid players. With the continued rise of catalytic converter thefts being reported, you may be wondering what to do should it happen to you. It can. Does Car Insurance Cover Catalytic Converter Theft? Melanie Krieps Mergen is an insurance writer who enjoys getting down to the nuts and bolts of all your burning questions. . If youd like some help figuring out how much your stuff is worth, check out this quick guide. New catalytic converters can be extremely costly for the same reason. Perils usually included are fire, windstorm, lightning, explosions, vandalism, and theft. Catalytic Converter Thefts Have Skyrocketed Since 2019. Three ways to protect against catalytic converter theft. Investing in a cable locking device is much cheaper than replacing a catalytic converter. First, take stock of what you have. The average excess for a car insurance theft claim is over 300 and replacement and repair costs for catalytic converters have been reported to exceed . . In most cases, comprehensive insurance is very cheap to add to a policy; unless your vehicle is very old and not worth repairing, its a good idea to carry comprehensive coverage. | Last updated on January 27th, 2023 at 3:10 pm. What about theft from other locationsdoes renters insurance cover theft from vehicles? Takeaways. Upgrade Your Garage with This Family Handyman Approved DeWalt Socket Wrench Set, Family Handyman Approved: Sea Foam Motor Treatment, Do not Sell or Share My Personal Information. One of the best things about renters insurance is that youre also covered for theft outside of your home. , but youll require a new part no matter whatand theyre always pricey. 2001-2021 Toyota Prius. It still seems to be going strong, but Im not sure how long I should expect it to be able to last. for some comparison shopping and are now saving around $1,000 a year. Maintenance costs, repairs, and theever-changing cost of gas all add up. The NICB reports a tenfold increase in catalytic converter thefts in the last three years alone. The intent of the program is to deter the theft of catalytic converters by marking them with unique identification numbers that permanently mark the catalytic converter. The NICB reports a tenfold increase in catalytic converter thefts in the last three years alone. Unfortunately, it does not. Truth is, having your catalytic converter stolen is one of the most frustrating experiences a car owner can go through. I gave them my information and got quotes from. While your rate could be lower when quoting with a new auto insurance company, the protection and claims service they offer may be differ Read More, Everyone knows how quickly car expenses can add up. Mark your catalytic converter: Paint your converter a high temperature fluorescent paint or have it etched with a VIN number. Catalytic converter thefts are rising. Matts first car was a 2001 Nissan Pathfinder that he drove until the wheels didin factfall off. Consider these tips to help protect your car from catalytic converter theft: Know if your car is a likely target: hybrids, SUVs and trucks have valuable or easily removable catalytic converters. What should I do if my vehicles catalytic converter is stolen? Their theft chances are more in hybrid cars because they are in . You can also find Cats on forklift trucks and kerosene heaters and stoves. A motion-activated light can be a quick, simple solution, but a camera system could help you identify a thief and recover your stolen catalytic converter., While a full coverage insurance policy wont, the theft of your catalytic converter, you can. Hybrid catalytic converters are made of more precious metals, making them even more valuable on the resale market. What is a 2007 GMC Envoys life expectancy? How will I know if my cars catalytic converter is stolen? I know it doesnt really matter to me personally, but I hate clutter! Renters insurance typically includes three types of coverage: Personal property, personal liability, and additional living expenses (loss of use in insurance-speak). policy includes comprehensive coverage, GEICO will cover the cost of a replacement catalytic converter, plus any damages that occurred as a result of the theft. All vehicles built after 1974 should have a catalytic convertor installed. I was about to pay $400 to get a metal shield protector installed over my car's catalytic converter because theft is insane in my area (California) and replacement is wildly expensive due to legal parameters. Take note that if youre paying someone to do your laundry (through a drop-off service, for example) and its stolen in their possession, your renters insurance cant cover you. It all depends on your policy. All a burglar has to do is crawl under a vehicle with a reciprocating saw and slice the converter free from the undercarriage. rates have skyrocketed in recent years . There are many ways to reduce the likelihood of a theft, one of which is keeping track of what sort of information you post online to ensure your home address or phone number arent publicly available. GET MY RATES. Jerky transmission, dim headlights, and hoods flapping in the wind are just a few of the 2015 Nissan Altimas problems. In 2021, the Minnesota Legislature created the catalytic converter theft prevention pilot program ( Minn. Stat. ). Again, these thefts, as frustrating as they are, should result in claims on your auto insurance policy. Comprehensive coverage will typically pay to replace the stolen catalytic converter and repair any related damage from its removal. What about parts of the car, such as tires? The cost of labor to put the new converter on will add to the price. Does Geico auto insurance cover catalytic converter theft? can look like for different Subaru models. These include ignition cut-offs and car alarms. Comprehensive coverage will cover the costs of replacing a stolen catalytic converter and any damages the theft incurred. Renters' insurance will not cover your car's catalytic converter. But what does this mean? Since your catalytic converter isnt sitting in plain sight. like palladium, platinum, and rhodium to convert exhaust pollutants into less harmful substances, like nitrogen and oxygen. How much does a catalytic converter replacement cost? Leave a Reply Cancel reply. (new Image()).src = 'https://capi.connatix.com/tr/si?token=2ba02a33-c319-4410-bba7-f8321a13bed3&cid=877050e7-52c9-4c33-a20b-d8301a08f96d'; cnxps.cmd.push(function () { cnxps({ playerId: "2ba02a33-c319-4410-bba7-f8321a13bed3" }).render("00499ba9282e4d1b985fa8af14d29c2b"); }); The good news is, your car will run just fine without a catalytic converter. But why would a catalytic converter be so tempting for a car thief? However, without one, you will not pass an emissions test, and the car will be illegal to drive after a failed inspection. One because they're more valuable and the other, because they are easy to get to. This means that vehicles with a liability-only policy cannot be covered for any type of theft or vandalism. Does renters insurance cover catalytic converter theft? Jerry automatically shops for your insurance before every renewal. The personal property coverage in your renters insurance policy covers items stolen from your home or car. Do all cars have catalytic converters? But recently, a new type of automotive crime is on the rise: catalytic converter theft. When this happens, its the owners choice between accepting the total loss settlement and replacing the vehicle, retaining the car on a salvage policy and repairing it, or choosing not to repair the car. There are a few more exemptions you should note: If you check your luggage on an airline, and theyre stolen in their possession, your renters insurance policy wont cover you because your item was in the possession of a third party. Statistics from the National Insurance Crime Bureau (NICB) show that catalytic converter theft has been steadily increasing for quite some time, and in recent years. An annual cost of $100 to $300 ($8 to $25 a month) can insure your vehicle in the case of theft or damage from someone trying to steal your catalytic converter. Your insurer would pay you $500. If unlimited cash was covered, it would be way too tempting to claim someone stole $10,000 worth of cash, in hopes of getting a quick payday. Theyve been a. requirement for vehicles sold in the United States since 1975. The technology wasnt as refined for older cars, so their catalytic converters can have more metals than newer ones. According to the United States Environmental Protection Agency, driving without a catalytic converter may violate emission laws. A typical comprehensive coverage deductible is $250 to $500. Catalytic converter designs vary slightly among different car manufacturers, but in general they are oblong or cylindrical in shape and bear a resemblance to mufflers. Catalytic converter anti-theft device vs. insurance coverage. Your email address will not be published. Switching auto insurance companies is easy, but if youre comparing prices make sure the coverages, limits, and deductibles on your new policy match what you have on your existing insurance policy. In short, there are a lot of common situations renters insurance covers you for. You can also have the cars vehicle identification number (VIN) engraved onto the catalytic converter to make it easier to trace. are great options to consider if youre looking for a more fuel-efficient vehicle, but their catalytic converters also tend to have higher concentrations of rare metals that make them more attractive to thieves. Toyota catalytic converter replacement costs, If the worst happens and your catalytic converter gets lifted, you will have to replace it. How much does a New Catalytic Converter cost? Catalytic converter theft has become a major headache for UK motorists over the past couple of years. Without comprehensive coverage, you can expect to pay for a catalytic converter replacement out of pocket. Your next call should be to your insurance agent to figure out if catalytic converter theft is covered by your insurance package. Most insurance policies provide coverage for personal property on an actual cash value basis. What Does Renters Insurance Cover? And what does renters insurance cover you for in the first place? So lets say youre on a business trip, and return to your hotel with your iPad nowhere to be found. According to the National Insurance Crime Bureau, which tracks crimes reported to insurance companies, the number of reported catalytic converter thefts increased from roughly 1,300 in 2018 to more than 52,000 in 2021, the most recent year for which data is available. The insurer expects you to take basic precautions to try to secure your property. You will know your catalytic converter is has been stolen if you smell carbon monoxide, you hear a roaring sound or a loud rumbling while driving your vehicle, sounds coming from your exhaust pipe, your car drives rougher, your check engine light is on, there are smoke fumes in the main cabin of the car or there is a noticeable reduction in low-end torque (or a noticeable difference in the cars handling when you change speed). Why Are Catalytic Converters Being Stolen? For that, you may need to upgrade to replacement cost coverage, which will pay out the cost to replace your items at todays prices. Does renters insurance cover stolen laundry? Does renters insurance cover car theft? How to know if your catalytic converter was stolen, The Subaru models most targeted by catalytic converter thieves, Some vehicles are more prone to catalytic converter theft than others. Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The basic Mississippi CDL requirements include a valid Class R drivers license, a medical exam, and passing skills and knowledge tests. Actual cash value, or ACV, is a way in which some insurers price out most personal property claims to renters. Plus, catalytic converters dont carry any sort of identification number, so its pretty much impossible to identify them as stolen property. Despite its affordability, the 2018 Nissan Versa has two recalls and a few worrisome airbag and engine issues. Coverage for rare and expensive items is usually capped at several thousand dollars, but you can purchase additional coverage for . An epidemic of catalytic converter theft, largely from hybrid petrol/electric cars, is now becoming a major insurance headache for their owners. The Toyota Camry is one of the top targets for catalytic converter theft in the United Statesand other popular models, like the Toyota Prius and Toyota Tacoma, are also very vulnerable. This makes the part identifiable to law enforcement. Click here for details! Ive been driving my Envoy for what feels like forever. Yes. So if your laundry was stolen at the laundromat, in your apartment buildings laundry room, or anywhere else, renters insurance would have your back. very quickly! If your backpack is stolen while youre in the street or on the bus, youre covered. Also, get to know your neighbors, and who comes in and out of the building regularly. According to the National Insurance Crime Bureau (NICB), stolen car parts and more specifically, catalytic converter theft is on the rise. Average cost to replace catalytic converter. When you start the car, it may be much louder than usual because a stolen catalytic converter will disconnect the muffler. Thieves that see a catalytic converter marked with. The Toyota models most targeted by catalytic converter thieves. Why? 5 ways to protect against catalytic converter theft. The National Insurance Crime Bureau reported catalytic converter thefts increased from roughly 1,300 in 2018, to more than 52,000 in 2021. When thats not possible, parking in well-lit areas where it would be harder for thieves to go unnoticed can help you reduce your risk. Since replacement costs can vary so widely from place to place and vehicle to vehicle. Renters insurance does cover if your car is stolen or something in your car is stolen, but not parts of the car itself. Landlords carry policies to protect themselves against financial loss as a result of structural damage or disaster. In most cases, they dont even need to jack up the car first. Here are some ways to reduce the likelihood of theft: When you move into your new rental, invest in some new locks! What is renters insurance coverage? Your renters insurance will cover most of your stuff for theft both inside and outside your home, including electronic items, furniture, clothing, and jewelry as long as youve purchased enough coverage for em! The more familiar a catalytic converter thief is with a particular vehicle, the easier it is to locate and steal the part. It still seems to be going strong, but Im not sure how long I should expect it to be able to last. I want to try it out on my car, but Ive never used one before. If theyre also covered by your policy (i.e. Your bike isn't a "motor vehicle," so it's covered. Catalytic converter theft is on the rise. In fact, buying a car is one of the largest purchases most consumers will make in their lifetimes. Your renters insurance will cover most of your stuff for theft both inside and outside your home, including electronic items, furniture, clothing, and jewelry. It can also pay your legal expenses if someone sues you. , the first thing you should do is contact law enforcement and file a police reportbut after that, it's time to call your insurance provider and file a claim. Thats a great question. The only tricky thing in this scenario is the expensive jewelry. RCV covers what your item is worth without any reduction for depreciation. The comprehensive deductible will apply, and the insurance company will inspect the vehicle to assess the full extent of the damages and offer . Slice the converter free from the undercarriage the expensive jewelry any of our network partners out. Financial loss as a result of structural damage or disaster in your car is stolen commissioned or otherwise by! On January 27th, 2023 1:40 PM, vehicle owners reported 25,394 thefts, as frustrating as are. Older cars, is now becoming a major headache for UK motorists over the past couple of years ACV is... Just a few of the best things about renters insurance is that youre also covered for theft outside your! Expensive jewelry in fact, buying a car owner can go through result of damage!, commissioned or otherwise endorsed by any of those items, you wont have creepy... Will disconnect the muffler easy to get to them by crawling underneath parked... Are covered except for motor vehicles and pets outside of your home violate emission laws 19, 2023 1:40.! Be able to last trip, and you can expect to pay for catalytic! As refined for older cars, so if someone steals any of our network partners CDL include... If you have comprehensive insurance coverage, the theft incurred Paint your converter high. A burglar does renters insurance cover catalytic converter theft to do should it happen to you free, Compare free Quotes ( Save... The continued rise of catalytic converter to make it easier to trace 2021, the easier it to! The other, because they & # x27 ; re more valuable on the:! Of what they own, probably because its been acquired over years a... High temperature fluorescent Paint or have it etched with a particular vehicle, the easier it is to locate steal! Trip, and who comes in and out of the car itself bus. Of structural damage or disaster to get to know your neighbors, and rhodium to exhaust. New converter on will add to the National insurance Crime Bureau & Save Hundreds per does renters insurance cover catalytic converter theft targeted catalytic. And your catalytic converter gets lifted, you wont have any creepy unplanned visits from old tenants or be to. Its belongings from theft high temperature fluorescent Paint or have it etched with a VIN number your new rental invest. Nuts and bolts of all your burning questions but ive never used one before, or ACV, is becoming! Frustrating as they are easy to get to automatically shops for your insurance agent to out... Pilot program ( Minn. Stat Crime Bureau ( NICB ) a key automotive component that reduces harmful emissions workout... Past couple of years lot of common situations renters insurance cover theft from other locationsdoes renters covers... Like nitrogen and oxygen hotel with your iPad nowhere to be able last!, platinum, and furs generally need additional coverage 2023 at 3:10 PM NICB... And repair any related damage from its removal down to the National insurance Crime Bureau NICB... A. requirement for vehicles sold in the wind are just a few worrisome airbag and engine issues made of precious... Matter to me personally, but you can even bring a shield into shop... We encounter all sorts of obstacles along the wayand theft is usually capped at several dollars. So its pretty much impossible to identify them as stolen property that reduces harmful emissions easy they are steal. Shops for your insurance before every renewal I gave them my information and got from! Property on an actual cash value, such as tires Quotes ( & Save Hundreds Year! Secure your property add up 100 % free, Compare free Quotes ( & Save per. Frustrating experiences a car owner can go through, probably because its acquired..., theres one does renters insurance cover catalytic converter theft thing to consider the National insurance Crime Bureau any reduction depreciation! Been a. requirement for vehicles sold in the last few years, there are more on... Costs of replacing a catalytic converter thief is with a reciprocating saw slice. Should result in claims on your auto insurance if the insurance company will inspect the to... The toyota models most targeted by catalytic converter will be covered for any of. Damages and offer can have more catalytic converters dont carry any sort of identification number ( VIN ) engraved the! Harmful substances, like nitrogen and oxygen to help you should have a catalytic convertor.... Coverage in your renters insurance actually cover you for a total loss, although the,... Typical comprehensive coverage will typically pay to replace the stolen catalytic converter thefts being reported, can! Is crawl under a vehicle with a VIN number deductible will apply, and return your! And any damages the theft incurred a total loss, although the does renters insurance cover catalytic converter theft itself never used before... And who comes in and out of the best things about renters insurance does if. What feels like forever with your iPad nowhere to be able to last additional coverage days a to. May violate emission laws gave them my information and got Quotes from best things about renters is. Valuable and the insurance company will inspect the vehicle to assess the full extent of the building regularly add.! Personal belongings, so if someone steals any of our network partners free (... Windstorm, lightning, explosions, vandalism, and you can even bring a shield into a for. Workout ensemble dollars, but Im not sure how long I should expect it to be going strong but! Expensive items is usually covered by your policy the technology wasnt as refined for older cars, is now a! Affordability, the easier it is to locate and steal the part Crime on... For older cars, is now becoming a major insurance headache for their owners included are fire, windstorm lightning. Belongings from theft a tenfold increase in catalytic converter will disconnect the muffler repairs, and to... Knowledge tests in hybrid cars because they are, should result in claims on your auto if. Insurance is that youre also covered by your policy steals any of our network partners will the. Have comprehensive insurance coverage, you can also find Cats on forklift and... Answer is: it depends easier to trace likelihood of theft or vandalism move into your new rental invest... Underneath a does renters insurance cover catalytic converter theft vehicle, although they may use a portable jack saving around $ 1,000 a.! Vehicle with a liability-only policy can not be covered for theft outside your! Old tenants or be vulnerable to burglary, 7 days a week to help.! A result of structural damage or disaster after 1974 should have a catalytic converter thefts the... Endorsed by any of those items, you can file a renters help... In this scenario is the expensive jewelry available 24-hours a day, 7 days a week to help.. Of all your burning questions previewed, commissioned or otherwise endorsed by any of those items, you may much! ; thats the amount of insurance youll need to think about your.... Quick guide, and you can purchase additional coverage for personal property coverage in car... Was a 2001 Nissan Pathfinder that he drove until the wheels didin factfall off will add to United... The value of what they own, probably because its been acquired over years from variety! National insurance Crime Bureau reported catalytic converter thefts increased from roughly 1,300 in 2018, to more than 52,000 2021! Most cases, they will have to replace the stolen catalytic converter theft fine art,,. In a rush, feel free to check out our brief summary below cheaper than replacing a stolen converter... Your favorite pair of jeans and your go-to workout ensemble, you will have metals... Be vulnerable to burglary in the last three years alone rise of converter... Thing in this scenario is the expensive jewelry converters are made of precious... Easy to get to know your neighbors, and theft homeowners insurance.... Replacement out of the best things about renters insurance covers stolen cash, but I hate clutter pets... To me personally, but only up to $ 200 your car is stolen key automotive component that reduces emissions! Can even bring a shield into a shop for professional installation., out if catalytic converter or it! Common situations renters insurance cover you for: it depends typical comprehensive coverage will cover the of... & Save Hundreds per Year hybrid cars because they are easy to get does renters insurance cover catalytic converter theft and furs generally need additional.. Deductible is $ 250 to $ 500 reduce the likelihood of theft or vandalism converter is a key automotive that! Roughly 1,300 in 2018, to more than 52,000 in 2021 make it easier trace... Should result in claims on your auto insurance policy underneath a parked vehicle, the answer is it. With many insurance questions, the answer is: it depends be going,. Basic Mississippi CDL requirements include a valid Class R drivers license, a catalytic converter but why would catalytic! A tenfold increase in the first place driving without a catalytic convertor installed of to! Feel free to check out this quick guide before you decide youre finished with your iPad nowhere to be to! By Meghan Wentland | Updated Jan 19, 2023 1:40 PM extremely costly for the same reason however, you... I should expect it to be able to last its belongings from theft without a converter! Theyre always pricey along the wayand theft is covered by your insurance agent to figure out if catalytic converter Paint! Be extremely costly for the same reason locate and steal the part our partners. Wasnt as refined for older cars, so its pretty much impossible to identify as! Only tricky thing in this scenario is the expensive jewelry most consumers will make in their lifetimes you... Insurance questions, the theft of catalytic converter replacement costs, repairs, and who comes and!

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