Picture this: It is late at night, you have worked a double shift, had a stressful day overall, and You still need to arrive at home in time to feed your family and complete some chores. As you walk to your usual street parking spot, you feel strange. There’s a problem. As you get closer to your car—or, more accurately, where your car ought to be—your heart starts to race. It cannot be seen anywhere. You frantically look everywhere before calling 911. By the time the police arrive at the scene, you are hoping that your vehicle will be safe returned. You are attempting to recall as many specifics as possible about it.
In the event that your vehicle was taken, what would you do? Do you know how to submit an insurance claim for a stolen vehicle? Despite the confusion and adrenaline rush, you must maintain composure and clarity.
The first thing you should do is make sure there is no other reason why your car is missing. Did you leave in an unlawful way, seriously endangering you of having your vehicle towed? Is it possible to repossess your vehicle? It can be very embarrassing to report a stolen vehicle to the police and make an insurance claim, only to find out later that it wasn’t actually stolen. Once you’ve determined that your vehicle was stolen and ruled out any other possibilities, it’s time to start the car insurance claim process.
The most significant takeaway is that even if you have comprehensive coverage, your insurance will not cover the loss if someone steals your vehicle.
After you file a claim, some insurance companies may require you to wait to see if the stolen vehicle can be recovered.
Instead of auto insurance, you will need homeowner’s or renter’s insurance to cover any personal property in your stolen vehicle.
