How To Make A Claim For Your Stolen Car


Suppose you come back to your parking spot and discover that your car isn’t where it’s supposed to be and has most probably been stolen. This scenario usually only appears in our dreams, but it’s a genuine part of driving a car. 

There’s going to be a lot of hassle involved, but if you have comprehensive coverage, the insurance carrier will most likely reimburse you for the cost of your car in case the police don’t recover it. 

So, how can you make a claim for your stolen vehicle? Let’s find out.

1. Call Your Insurance Carrier Immediately

After you’ve filed a police report, the next logical step is to call your insurance carrier immediately. Doing so will help you file a claim as soon as possible so you can get a payout if the police don’t recover your car. All of this applies if you have comprehensive coverage in your car insurance policy.

On the other hand, you should still notify your auto insurance company of the car theft even if you don’t have comprehensive coverage. Doing so will help you offset any costs incurred by your vehicle in case the thief damages it or undertakes criminal activity with it. 

2. Have All Your Information Ready

You can’t just pick up your phone and tell your insurance carrier that your car has been stolen. You’ll need to provide a lot of information for the company’s records, so be ready with the following information:

A detailed description of your vehicle, including make, model, color, mileage, and any other relevant features. 

Where you last parked your car or saw it.

The Certificate Of Title for your car.

Where you put your spare keys before the accident and where they are now.

All the personal things that you had in your car.

A list of all the people who had access to your keys or car.

If you lease your car, you might need to provide the details for the leasing company and your account as well.

A copy of the police report.

3. Cooperate As Much As Possible

While the insurance carrier understands that it’s stressful for you, they still need to do their job. They might ask you to fill a detailed questionnaire about all the information surrounding your car and the theft. 

It’s easy to get frustrated in the process, but you need to remember that cooperating is the only way to make a claim successfully. That way, whether the police recover the vehicle or not, you can rest assured that you’ll be covered for the damages incurred by the theft.