Here is a checklist if you think your car has been stolen.
Was your car stolen or have you simply misplaced it? Or maybe it was towed or maybe a family member has borrowed it without letting you know?
Try to rule out these things before you report your car stolen.
It’s important to act fast and report the car stolen with the local Police.
Try to have this information on hand:
Most insurance companies will not take a claim unless you have completed a Police report, so it’s important that you do so first and gather a copy to give to your insurance provider.
Your insurance provider will ask for the following information and complete a thorough investigation before reimbursing you:
Types of insurance plans:
If you have limited liability coverage you are more than likely not going to be covered for vehicle theft, although they may cover property damage (so have your list of missing items on hand).
If you have comprehensive coverage they will typically reimburse you for the actual cash value (ACV) which is how much you paid minus depreciation. ACV will be negotiable, so do your research on the value of the vehicle.
To find out what your vehicle is worth, check out your country’s car evaluation site:
Keep in mind that during the investigation you are the number one suspect. Unfortunately, there are people out there that abuse the system and commit fraud. Be prepared to wait around 2-8 weeks for the investigation and allow time for authorities to find your missing vehicle.
Note: If you are leasing or financing you will want to contact the lender and have them work with your insurance provider.
Once you have submitted a Police report and insurance claim ask your local vehicle registration agency if they have a database of reported stolen cars. Some agencies will work with Police to recover missing cars.
During the waiting period, you can take matters into your own hands. Start by check online selling forums or websites where thieves could be trying to sell it. It’s worth a look.
Prevention is better than cure. How to avoid your car being stolen in the first place.
If you do end up finding your car we’re happy to hear that! However, make sure to contact your insurance provider to assess the damage, repair and missing personal items as they may cover it.
Here at Cammy, we are committed to decreasing crime worldwide, which is why we want to provide you with the tools are resources to protect yourself and your communities.
July 25, 2017
Copyright 2019 — Cammy, Inc.
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