Search

Does Insurance Cover a Stolen Car? A Complete Handbook

If you have car insurance, your policy may cover stolen vehicles. This comprehensive guide will explore whether insurance covers a stolen car, guide how to report a stolen car, and offer tips on making the best insurance claim.
does insurance cover a stolen car
Does Insurance Cover a Stolen Car? A Complete Handbook
The coverage for how to report a stolen car depends on the type of insurance policy you have. Here's a comprehensive guide to help you understand the type of coverage required if your car gets stolen.
In this article

Car theft is a bitter experience and can have unprecedented emotional and financial impact on you. While you may not be able to bring your car back, a robust insurance policy can soften the blow by offering financial assistance. But, does your insurance cover a stolen car? If you have car insurance, your policy may cover stolen vehicles. Check out Beem to get the best car insurance policy as per your needs. Auto insurance costs vary widely depending on factors such as your age, driving record, and the type of vehicle you drive. Let’s explore whether insurance covers a stolen car, guide how to report a stolen car, and offer tips on making the best insurance claim.

What To Do When Your Car Is Stolen?

Discovering the truth that your car has been stolen can be a shock, but staying calm and acting methodically can help you navigate the process effectively. Follow these steps to cover stolen car:

Verify It’s Stolen

Double-check nearby parking areas before assuming your car is stolen and inquire if it has been towed. Sometimes, we must remember where we parked or need clarification on the location.

Contact the Police

If your car has been stolen, contact the police immediately. Ensure to provide them with accurate and detailed information about your stolen car. The police will create a report, which is crucial for your insurance claim.

Notify Your Insurance Company

After filing a police report, immediately inform your insurance company about the theft. If your company does insurance cover a stolen car, they will guide the claims process and provide the necessary forms and information to proceed.

How To Report A Stolen Car

File Police Report Within 24 Hours

To maximize the chances of recovering your stolen car, it is advisable to file a police report within 24 hours of the theft. By promptly reporting the incident, law enforcement can initiate their search efforts promptly, increasing the likelihood of locating your vehicle. Moreover, filing the report quickly allows you to commence the insurance claim process sooner and expedite the resolution of your case. 

If you’re sure your car has been stolen, contact the police and provide them with detailed information about your stolen car like:

  • Provide the car’s company name
  • Vehicle Identification Number (VIN)
  • Car model and color
  • The car’s license plate number 
  • Description of personal property inside the car when it was stolen
  • Indicate whether your car is equipped with a vehicle location device

The police will create a report, which is crucial for your insurance claim. Moreover, filing the report earlier allows you to commence the insurance claim process shortly, expediting the resolution of your case. 

Inform Your Car Insurance Company

You must initiate the claims process with your insurance company within 24 hours of the theft or as soon as possible after filing a police report. If your insurance company requires additional information, ensure prompt and efficient delivery. 

In addition to the details provided to the police, your insurance company may request the following information:

  • A comprehensive list and description of any valuables inside your car at the time of the theft, such as laptops, electronic devices, workout gear, textbooks, or tools.
  • A copy of the police report is crucial for the claims process.

By submitting a claim and providing the requested information, you help facilitate the efficient processing of your car theft claim with your insurance company.

Does Insurance Cover a Stolen Car 1024x576 1

Does Insurance Cover A Stolen Car?

The coverage for how to report a stolen car depends on the type of insurance policy you have. Here’s a comprehensive table outlining different types of insurance coverage, what they typically cover, and whether they cover stolen cars:

Insurance TypeCoverageCovers Stolen Cars?Insurance Companies (US)
ComprehensiveTheft, vandalism, natural disasters, fire, falling objects, damage from animals, weather-related damage, and other non-collision incidents.YesState Farm, Geico, Progressive
LiabilityDamages caused to others in an accident for which you are at fault.NoAllstate, Liberty Mutual, or Nationwide
CollisionDamages to your car resulting from collisions with other vehicles or objects, regardless of fault.NoUSAA, Farmers Insurance, Travelers
Table 1.0. Car insurance types with specific coverages 

How To Make The Best Claim After Your Car Is Stolen

Making an insurance claim for a stolen car requires proper documentation and attention to detail. Follow these tips to improve your chances of a successful claim:

  • Collect Documentation: You must collect all the required documentation from your insurance company. This typically includes the police report, vehicle registration, and proof of ownership. Provide any additional evidence or documents requested by your insurer promptly.
  • Provide Evidence: If you have any evidence to support your claims, such as photographs, videos, or witnesses, provide them to your insurance company. This can strengthen your case and expedite the claims process. Keep copies of all documents related to the theft and claim for your records.
  • Follow Up Regularly: Contact your insurance company to ensure your claim is processed promptly. Be proactive and follow up regularly, politely requesting updates on the progress of your claim. Keep records of all communication, including dates, times, and names of the representatives you speak with.
Does Insurance Cover a Stolen Car 2 1024x576 1

Conclusion

Experiencing the stealing of your car can be a harrowing experience, but having the right insurance coverage can help alleviate the financial obligation. But, does your insurance cover a stolen car? If you have comprehensive insurance coverage, your policy will cover stolen cars. However, it’s essential to review your specific policy details or consult with your insurance provider to understand the extent of your coverage. You can save hundreds of dollars by comparing car insurance quotes with Beem before purchasing your policy to get the best deal.

In case of a stolen car, promptly report the theft to the police and notify your insurance company. Follow the necessary steps to make the best insurance claim, ensuring you provide all the required documentation and evidence. By taking proactive measures, you can confidently navigate the claims process and strengthen your chances of a successful outcome.

Frequently Asked Questions 

1. Will My Insurance Cover Personal Belongings Stolen From My Car?

Generally, comprehensive insurance covers the theft of personal belongings inside the car, but there may be limits on the coverage. Review your policy or contact your insurance provider to confirm the specifics.

2. Will My Insurance Cover a Stolen Car if I Leave the Keys Inside?

Insurance coverage for a stolen car usually applies regardless of whether the keys were left inside. However, reviewing your policy terms and conditions is crucial to ensure you comply with any requirements related to crucial security.

3. What Happens if My Car Is Recovered After It Was Stolen?

If your stolen car is recovered, contact your insurance company immediately. They will guide you on the necessary steps to assess any damages and make any required repairs. The insurance claim process may still apply even if the vehicle is returned to you.

Was this helpful?

Did you like the post or would you like to give some feedback? Let us know your opinion by clicking one of the buttons below!

👍👎

Author

Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

Related Posts
car insurance in Chattanooga
Car Insurance In Chattanooga
Several factors influence car insurance in Chattanooga, including your driving record, age, type of vehicle, location, and credit score. Additionally, coverage options, deductibles, and insurance history can impact the cost of your premiums.
car insurance in Bowling Green
Best Car Insurance in Bowling Green, KY
Several factors influence car insurance in Bowling Green, KY, including driving record, age, vehicle type, location, credit history, and coverage options. Insurance companies assess these factors to determine risk levels and calculate premiums accordingly.
car insurance In Beaumont
Best Car Insurance In Beaumont, TX
Several factors influence car insurance in Beaumont, TX, including your driving record, age, gender, vehicle type, coverage options, credit score, and location. Companies also consider local factors such as traffic patterns, crime rates, and weather conditions.
car insurance in Aurora
Best Car Insurance in Aurora, CO
Several factors influence car insurance in Aurora, CO, including your driving record, age, gender, marital status, credit score, vehicle type, and the amount of coverage you choose.
car insurance in Augusta
Best Car Insurance in Augusta, GA
Several factors influence car insurance in Augusta, GA, including driving records, age, credit score, type of vehicle, and coverage options. Other factors may include location, annual mileage, and whether you qualify for any discounts.
car insurance in Arlington
Best Car Insurance in Arlington, TX
Car insurance in Arlington, TX, is influenced by several factors. Understanding these factors can help you make informed decisions and find ways to lower your premiums.
Features
Essentials

Get up to $1,000 for emergencies

Send money to anyone in the US

Ger personalized financial insights

Monitor and grow credit score

Save up to 40% on car insurance

Get up to $1,000 for loss of income

Insure up to $1 Million

Coming Soon

File federal and state taxes at low cost

Quick estimate of your tax returns

Get up to $1,000 for emergencies

Send money to anyone in the US

Save big on auto insurance - compare quotes now!

Zip Code:
Zip Code: