Typically when your car is stolen and not recovered you make a claim with your insurance company under the comprehensive portion of the policy. What your settlement will be for the vehicle will depend on your specific insurance company's guidelines and state laws.

Many insurance companies will settle the claim on the stolen vehicle by offering you what they find to be the actual cash value of the vehicle at the time of the theft, minus your deductible for your comprehensive coverage. Some states, such as Illinois, allow the insurance company to replace your vehicle if certain conditions apply.

To find out what type of settlement you can expect to get you will need to speak with the claims adjuster from your insurance company that is working this claim. He or she should know both the state laws and the details of your policy. For more consumer insurance information you can contact your state's insurance regulatory body.