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What to Do If Your Car Has Been Stolen: 5 Steps (Updated May 2022)

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Car Insurance
Amy Beardsley

By: Amy Beardsley

Edited by Jackie Cohen

Last Updated May 10, 2022

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Quick Facts

  • According to the FBI, approximately 721,900 motor vehicles are stolen each year in the United States.
  • Over half of drivers have forgotten where they parked at least once.
  • Comprehensive auto insurance typically covers the theft of vehicles.

Car thefts happen in big cities, small towns, and everywhere in between. We’ve all heard about them on the news, but what do you do after realizing your vehicle has been stolen? If you’re in the unfortunate situation of being the victim of auto theft, you might feel hopeless and lost. But don’t panic. Follow these steps to help you through the process.

When you recover your car, set aside time to review your car insurance coverage. Shopping around is the easiest way to compare your options. Use Insurify to speed up your car insurance comparison-shopping and find a great auto insurance policy.

1. Make Sure You’re Actually Reporting a Stolen Car

Does auto insurance cover car theft?

Comprehensive insurance generally covers losses after auto theft.

Many people report stolen cars when the car is still in their possession, but they can't find it. That’s a waste of time and resources on the part of the police. Plus, filing a false police report is a crime in many jurisdictions with severe consequences, including fines and jail time.

Here are some ways to make sure your car is really missing before calling the police department:

  • Ask yourself if the car was moved by mistake (perhaps by a partner or family member)?
  • Think about where you parked. Was the vehicle in a parking lot, and you forgot where?
  • Consider if the car could have been towed.
  • Check with family members who might have borrowed it without permission.

If you don’t know where your car is, you can treat it as if it were truly stolen. In that case, don’t wait to contact the local police or your insurance company.

See More: Best Car Insurance Companies

2. Get Ready to File a Police Report

According to the FBI’s Uniform Crime Reporting Program, nearly 721,900 motor vehicles were reported stolen in 2019. The most stolen cars were sedans and SUVs, while a small percentage involved stolen trucks and buses.

Before you report your vehicle as stolen, gather the necessary documentation to file a police report:

  • Your contact information
  • Car make and model
  • License plate number and VIN
  • Color and year of car
  • Date and time you last saw the car

Depending on where you live, you may be directed to file a report with either local law enforcement or state law enforcement.

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3. Talk to Your Insurance Company

Once you have a police report number, contact your insurance company. Don’t be surprised if your policy doesn’t cover theft—not all car insurance providers do. But if you have comprehensive coverage, there’s a good chance your auto policy will cover theft.

When you file the insurance claim, you’ll need the police report number and a copy of the police report, if it’s available. The insurance adjuster may also ask you to share what happened, including the last time you saw the car, as part of the claims process.

How much will your stolen car payout be?

How much will your policy pay if your car isn’t recovered? It depends:

  • If your vehicle isn’t found, you’ll usually get a reimbursement that covers the actual cash value (current market value of your car) minus any deductible.
  • If the car is found but has damage, the insurance company will cover the repair costs or declare it a total loss according to your policy.

What happens if your items are stolen from your car?

Auto insurance only covers “permanent” parts of the car. It doesn’t include personal property that may have been taken. For example, policies typically cover a factory-installed navigation system but not a dashboard-mounted GPS unit. Your homeowners or renters insurance should cover the theft of valuables from your automobile.

See More: Car Insurance Quotes

4. File a Stolen Vehicle Report with the DMV

Filing a report with the department of motor vehicles (DMV) is a separate step from filing a police report. The DMV will want to know about your stolen vehicle so they can update their records accordingly. You’ll need to provide them with information about yourself and the stolen vehicle.

When you let the DMV know, you won’t be responsible for future issues related to the car. If someone tries to register the car under their name or apply for a new title, the DMV can notify the police.

5. Do a Stolen Car Check Yourself

If you’re sure your car was stolen, you don’t want to try to find it on your own. You could end up in a dangerous situation. But you may be able to safely help the police do a stolen car check.

Many apps and services exist that can track vehicles. If you have OnStar or LoJack, you may be able to track your car. You could also check Craigslist and social media to see if someone listed your car for sale.

See More: Cheap Car Insurance

Get the Right Coverage for a Stolen Car

Being the victim of vehicle theft is something nobody ever wants to experience. It’s not just the loss of a car and the expense of replacing it. It’s also the inconvenience and disruption that comes with losing your primary mode of transportation. Hopefully, this step-by-step guide can help you if car thieves target your ride.

Car insurance can protect your asset, no matter the circumstances. Compare coverage options today with the best-rated online insurance quote comparison platform.

See More: Best and Worst Sites to Compare Car Insurance

Frequently Asked Questions

  • Many people report stolen cars when the car is still in their possession—they simply forgot where they parked it. So before notifying the police, make sure the vehicle is really missing. Check all the places where you usually park. If you can’t locate the car, then it’s time to notify law enforcement officials.

  • Certain apps and services can track and send notifications if a vehicle is stolen. For example, OnStar and LoJack have tracking devices to locate your car. OnStar can remotely slow down the car and prevent thieves from restarting it. LoJack has a stolen vehicle recovery system that reimburses you up to $10,000 if the vehicle isn’t recovered within 30 days.

  • Don’t try to find your car yourself. You could get hurt. Instead, let the police do their job. If you happen to locate your car, don’t jump in and drive it away. Call the police and let them handle the recovered vehicle. You should also contact your insurance company to let them know.

  • You can take precautions to prevent car theft, including locking your doors, removing your keys from the vehicle, closing the windows, installing an alarm system and anti-theft device, and parking in a well-lit area.

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The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Amy Beardsley
Amy Beardsley

Content Writer at Insurify

Amy is a content marketing writer who specializes in personal finance and technology. With a background in the legal field, she has a talent for transforming complex topics into content that’s easy to understand. When she’s not writing, she enjoys reading and playing board games with her family. You can learn more at amybeardsley.com.

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