dcsimg
Call Us Toll Free: 1-855-430-7753

Q&A

See if your question's been answered
Looking for more answers? Find advice to
commonly asked questions from our team
of insurance experts.

Q

What do I do if my car is stolen?


A

A stolen vehicle can be a very upsetting experience, CarInsurance.com wants to make sure you are safe and protected. 

  1. If your vehicle has been stolen, you should contact the police immediately and file a stolen vehicle report.
    1. Most insurance companies cannot process a claim for vehicle theft unless you first file a police report.
  2. After contacting the police, you should report the theft to your insurance company. Even if you do not have comprehensive insurance, you should still notify your carrier of any stolen vehicles immediately.
    1. Notifying your insurance carrier of the vehicle theft could help protect you if the thief causes damage to others with your car.
  3. When you contact your insurance company, try to have the following information available:
    • Certificate of Title for the vehicle and/or loan/lease paperwork.
    • Location of all keys to the vehicle before and after the theft.
    • Names and contact information of everyone who had access to the vehicle.
    • A description of your vehicle, including mileage, options, and service records — if you have receipts for any upgrades or maintenance, please have these available as well.
    • A list of any personal property stolen with your vehicle. Coverage for personal items varies from state to state, and your home-owner's or renter's insurance policy may provide additional coverage for personal items that were stolen.
    • Please include any finance or leasing company contact information and your account number, if applicable.
  4. If the stolen vehicle is financed or leased, report the theft to your finance or leasing company. To expedite your claim process, inform your finance or leasing company to discuss the case directly with your insurance company.

If the police recover your vehicle, make sure to notify your insurance company's claims adjuster immediately. This will help in quickly resolving your claim.

In the even that you didn't elect to purchase comprehensive coverage, you should see if your policy will cover you for rental car coverage and make sure you are diligent with your local law enforcement so you can try to recover your car or find the person that is responsible for making you whole.

The good news for US drivers is that the vehicle theft rate is going down:

  • 1999 - 2.89%
  • 2000 - 2.89%
  • 2001 - 3.26%
  • 2002 - 2.49%
  • 2003 - 1.84%
  • 2004 - 1.83% 

Comment Update: Even without physical damage coverage you may have rental car coverage on your policy, through the vehicle manufacturer or on your AAA card and/or credit cards. It is a tough situation when you don't have insurance coverage and you lose a vehicle to theft. Let us know if there is anything we can do to assist you.


Categories:

Add Comment

Leave a Comment
 
 
 
27 Responses to "What do I do if my car is stolen?"
  1. bob

    Thanks for the info.

      Reply»  
  2. Visitor

    I was beat up and my car stolen. Now the police is questioning me and asking me if I did this. They say they will check the city cameras to see what really happened. What a joke. I was the one beat up and they are accusing me. It sucks.

      Reply»  
  3. Anonymous

    Provided all information I need to know. Thanks.

      Reply»  
  4. Anonymous

    OK my car is missing it took a few minutes to react but his site helped. I had packed to go away for July 4th weekend luckily I just moved and had to purchase rental insurance making all my things in the vehicle covered too, Thank God!! Anyway, I cant believe I was dumb enough to pack 2 days in advance! This helped a lot though thank you.

      Reply»  
  5. Anonymous

    I purchased my car a few weeks ago and it was stolen im only covered for liability and uninsured motorist i feel lost what shoud i do

      Reply»  
  6. Anonymous

    I HAD MY CAR STOLEN THIS MORNING AND DID EVERYTHING REPORTED IT, I CALLED THE INSURENCE TO NOTIFY THEM BUT SHOULD I CANCEL MY REGISTRATION?

      Reply»  
  7. Anonymous

    I HAD MY CAR STOLLEN THIS MORNING AT 4AM. LOOKED OUTSIDE AND FOUND OUT MY CAR WAS MISSING. CALLED THE POLICE AND MADE MY REPORT.

      Reply»  
  8. Anonymous

    thank you so much

      Reply»  
  9. Anonymous

    My car was stolen from a dealership garage when I dropped it off to get an oil change--they left the keys in the vehicle. Are they responsible? What recourse do I have?

      Reply»  
    1. Julian September 19, 2013 at 10:59 AM

      My car was stolen between noon of Tuesday and Wednesday. I only realized Thursday after college what had happened. My parents did not see the vehicle on Wednesday and thought I parked elsewhere. I am not covered for theft and there is no news from police. What can I do?

        Reply »  
  10. Anonymous

    it was very understanding,dat is wat i waz thinking to do tank u

      Reply»  
  11. Anonymous

    Thank you for the excellant info!

      Reply»  
  12. Anonymous

    My car was just stolen and I did these things already; all except contacting the lender/lienholder. Thanks for the tip.

      Reply»  
  13. Anonymous

    i did the same thing i was wondering if there was anything new i should do.

      Reply»  
  14. Anonymous

    thanks, it helps to get sorted...

      Reply»  
  15. Anonymous

    Accurate, complete and short.

      Reply»  
  16. Anonymous

    Just had my car stolen and this information clarified some of questions I needed answers to.

      Reply»  
  17. Anonymous

    Need more info such as: how does theft of a car affects credit history? Is there any charges for the offended party? Does the rate of the insurence go up or stays the same? What exactly is descussed with the dealler ship if the car is leased of finenced?

      Reply»  
  18. Anonymous

    it was so so

      Reply»  
  19. Anonymous

    it was lame

      Reply»  
  20. Anonymous

    how do i go about finding my licence plate number.

      Reply»  
12