You would need comprehensive coverage on your vehicle for it to be covered if it was stolen and recovered after the thief was involved in a police chase while operating your vehicle.

If you do not have comprehensive coverage on the vehicle that was stolen then unfortunately you will likely have to pay for repairs yourself, if the car is able to be fixed, or be out a car since there would not be any other way in which to make a claim.

State laws and insurance differ but if you do not have comprehensive coverage than in general unless the at-fault party is found, the one who stole the vehicle, there is really no one in which to go after for the damages to your vehicle. The police would not be responsible for the actions of the individual that stole your vehicle. If they forced the car off the road causing it to catch fire it was likely because of being in pursuit of the car due to it being stolen or whatever other criminal acts the driver (thief) was up to.

With comprehensive coverage you would place a claim and pay the deductible due with this type of physical damage coverage. If the car is found to be a total loss then you should be paid actual cash value (ACV) for the vehicle in the condition it was in before the accident.

If you are without comprehensive coverage on the vehicle that was stolen then you may want to see if there is a way in which to pursue the person who stole the vehicle. If he or she was caught then you may want to see about taking them to court and seeking a judgment for the damages they caused to your vehicle. If the person was not caught and you do not have comprehensive coverage to make a claim with then you can check with state agencies to see if there is any consumer help programs for people in your situation.