What Happens If My Car Is Stolen?

Having your car stolen can be a devastating and stressful experience. Not only have you lost your valuable possession, but you may be left without transportation and unexpected expenses! This article will detail how you can protect yourself against auto theft.

As a licensed insurance broker, I am often asked by my clients about steps they can take to protect themselves against auto theft, and understandably so! Not only are cars expensive, but they are often our main method of transportation. In this article, we will discuss the importance of comprehensive coverage, how to protect yourself in the case of auto theft, and how to prevent it. 

The Importance Of Having Comprehensive Coverage

What Happens if my Car is Stolen?

One of the best ways to protect yourself against the financial impact of car theft is to have comprehensive coverage as part of your car insurance policy. As a licensed insurance broker, this is something I highly recommend my clients get. 

Comprehensive coverage helps cover the cost of replacing a stolen car and other losses or damages that are not the result of a collision, such as damages from a natural disaster or vandalism.

InformationThe Importance Of Having Comprehensive Coverage
Protects Against A Wide Range Of EventsComprehensive coverage protects you against various events, including fire, theft, vandalism, and natural disasters.
Can Save You Money In The Long RunWhile comprehensive coverage may have a higher upfront cost, it can save you a lot of money in the long run by protecting you against unexpected and potentially expensive events.
May Be Required By Your LenderIf you have a car loan or lease, your lender may require you to have comprehensive coverage.
Can Give You Peace Of MindKnowing that you have comprehensive coverage can give you peace of mind, knowing that you are protected against a wide range of potential risks.

Pro Tip: While comprehensive coverage is not required by law, it is an important protection, especially if you have a newer or more expensive car. 

If you do not have comprehensive coverage, you may be responsible for paying the full cost of replacing a stolen car out of pocket, which can be financially devastating.

It’s important to note that comprehensive coverage only applies to the actual value of your car, not any personal belongings that may have been inside the car at the time of the theft. 

To protect your belongings, you may consider purchasing personal property coverage as part of your car insurance policy.

Saving Money on Insurance with Bauple

Learn Tips to Save Money on Insurance!

Our newsletter is packed with helpful tips and resources to help you save money and get the most out of your coverage. Sign up now and join our community of savvy insurance consumers.

The form has been submitted successfully!
There has been some error while submitting the form. Please verify all form fields again.

Steps To Take If Your Car Is Stolen

As an insurance professional, these are the steps I recommend you take if your car is stolen: 

  1. Report The Theft To The Police: The first step you should take if your car is stolen is to report the theft to the police. Providing the police with information about your car, such as its make, model, and license plate number, can help them in their efforts to locate and recover your vehicle.
  1. Contact Your Insurance Company: After you’ve reported the theft to the police, the next step is to contact your insurance company to report the loss and begin the process of filing a claim. Be prepared to provide your insurance company with details about the theft, such as when and where it occurred.
  1. Utilize Car Tracking Technology: If your car is equipped with a car tracking device, such as OnStar or LoJack, contact the service to see if they can help locate your vehicle. These services can often assist law enforcement in recovering stolen cars.
  1. Work With Law Enforcement: If your car has not been recovered after a few days, it’s important to stay in contact with law enforcement and provide them with any additional information that may help in their search.
  1. Consider Hiring A Private Investigator: If your car has not been recovered after an extended period of time, you may want to consider hiring a private investigator to help locate your vehicle. Keep in mind that this can be a costly option and may not always be successful.

By following these steps, you may be able to recover your stolen car and minimize the financial impact of the loss. Here’s another chart to quickly view and understand what to do if your vehicle is stolen:

StepsSteps To Take If Your Car Is Stolen
Call The PoliceContact the police as soon as you realize your car has been stolen. The police will take a report and begin an investigation.
File A Claim With Your Insurance CompanyYou must file a claim with your insurance company if you have comprehensive coverage. Make sure to have your policy information and the police report ready.
Make A List Of Items In Your CarMake a list of any items that were in your car at the time it was stolen. This will be important for both the police and your insurance company.
Keep Track Of Any Expenses Related To The TheftKeep track of any expenses related to the theft, such as the cost of renting a car or taking taxis. Some insurance policies may cover these expenses.
Update Your Vehicle’s Registration And Driver’s License InformationYou must update your vehicle’s registration and driver’s license information if your car is recovered. You may also consider installing a security system or other theft-prevention measures.

Filing A Claim

 If you have comprehensive coverage as part of your car insurance policy, you can file a claim to help cover the cost of replacing a stolen car.

ActionFiling A Claim If Your Car Is Stolen
Gather Necessary DocumentsBefore you file a claim, ensure you have all the necessary documents, such as your insurance policy, police reports, and documentation of damages.
Contact Your Insurance CompanyContact your insurance company to report the claim. You may be able to do this online, by phone, or in person.
Follow Up With The Claims AdjusterThe insurance company will assign a claims adjuster to your case. Follow up with the adjuster and provide any additional information or documentation requested.
Understand The Claims ProcessAsk your insurance company about the timeline for processing the claim and when you can expect to receive payment.
Keep Track Of All Communication And DocumentationKeep track of all communication and documentation related to the claim, including any correspondence with the insurance company and receipts for any expenses.

As an insurance professional, here is what you should expect during the claims process based on my experience. This list, and the previous table, will help you with the entire process and hopefully give you clarity! 

  1. Gather Documentation: To file a claim, you’ll need to provide your insurance company with documentation, such as a copy of the police report and proof of car ownership. Be prepared to provide as much information as possible about the theft, including its date, time, and location.
  1. Submit Your Claim: Once you have all the necessary documentation, you can submit your claim to your insurance company. It’s a good idea to do this as soon as possible after the theft, as some insurance policies have time limits for filing claims.
  1. Wait For The Insurance Company’s Response: After you’ve submitted your claim, your insurance company will review it and determine if it is covered under your policy. This process can take a few days to a few weeks, depending on the complexity of the claim.
  1. Receive A Settlement: If your claim is approved, your insurance company will provide you with a settlement to help cover the cost of replacing your stolen car. This settlement may be in the form of a check or direct payment to a dealership or seller.

Keep in mind that the amount of your settlement will depend on the actual value of your car and the terms of your insurance policy. Your insurance company will determine the value of your car based on factors such as its age, make, model, and condition.

Pro Tip: If your claim is denied, you may be able to appeal the decision. It’s important to carefully review the terms of your insurance policy and discuss your options with your insurance company if you believe your claim was wrongly denied.

Tips For Preventing Car Theft

My clients often ask me how they can prevent car theft. While there’s no surefire way to prevent car theft, there are steps you can take to reduce the risk of your car being stolen:

  1. Use An Anti-Theft Device: Installing an anti-theft device, such as a steering wheel lock or car alarm, can make it more difficult for thieves to steal your car. These devices can also serve as a deterrent, as thieves may be more likely to target a car without an anti-theft device.
  1. Keep Valuables Out Of Sight: Don’t leave valuable items, such as electronics or jewelry, in plain sight in your car. This can attract the attention of thieves and increase the risk of your car being broken into or stolen.
  1. Always Lock Your Doors: It may seem like a no-brainer, but it’s important to always lock your car doors, even if you’re only stepping away for a minute. Many car thefts occur because the car was left unlocked.
  1. Park In Well-Lit Areas: If possible, try to park your car in a well-lit area, such as a garage or a spot under a street light. This can make it more difficult for thieves to go unnoticed and may deter them from attempting to steal your car.
  1. Be Aware Of Your Surroundings: Pay attention to your surroundings when you’re driving and parking your car. If you notice suspicious activity or see someone loitering near your car, trust your instincts and take extra precautions to protect your car.


If your car is stolen, it can be a devastating and stressful experience, but there are ways you can protect yourself. As an insurance professional, I strongly advise you to purchase comprehensive coverage, as this is the best way to protect yourself. Don’t forget to take steps to prevent auto theft, such as using anti-theft devices and hiding valuables.