How to report a stolen car
Going through the experience of having your car stolen can be very annoying, but here you will learn how to report it to the police . Let’s look at how to verify and report your car stolen.
Keep in mind that if you don’t take the steps we’ve outlined for you, within a reasonable amount of time, not only will you not have your car;
but you could be charged with crimes committed with your vehicle even if it was stolen.
How to check if your car was stolen?
Before you report your car stolen , you need to be sure that it was stolen. Here we summarize the best ways to help you verify if your vehicle was stolen.
Realizing your car has been stolen is a terrible thing, here are some immediate steps you can take to find your stolen car.
1. Check if your car was stolen before heading to report the theft
To find out if your car was stolen, you need to check the parking lot carefully. Public parking lots are one of the best places to start looking for a stolen vehicle.
Perhaps, you simply forgot the exact spot where your car was .
You can download a “Find Stolen Car” app on your iPhone or Android smartphone to find your car, if you can’t remember where you parked it.
You should also check with towing companies before reporting your car stolen and track your car by VIN number.
The VIN check contains all history reports, including accident and service records. You can check if a car is stolen by license plate and VIN.
2. Use a GPS device to locate your stolen car
If you have installed a GPS tracking system on your vehicle, the tracker company can help you pinpoint the exact location of your stolen car and even turn it off.
No matter where your car was stolen, you can quickly track your stolen vehicle with GPS.
3. Use security camera systems to find your stolen car
When your car is stolen, you should check the security camera footage right away . Video recordings from security cameras are one of the best ways to find your stolen car.
By reviewing the video recordings, you will be able to see clear images of the car thief and his escape route. With these pieces of evidence, the probability of finding your stolen car will increase significantly.
4. Call all taxi companies when your car is stolen
Taxi drivers can help track down your stolen cars, trucks, and vehicles.
Whatever the situation, calling all the taxi companies in the area where your stolen car was left running or parked is a good option to find it.
Taxi drivers outnumber the police, increasing the chances of finding your lost car. In addition, you must give a sufficient reward, such as $100, to the taxi driver who finds your stolen car.
The reward is an incentive to encourage more people to join your stolen vehicle search team, increasing the chance of recovering your stolen car.
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How to find your stolen car with VIN (vehicle identification number)?
When your car is stolen, you have the possibility to locate it with the VIN number.
A Vehicle Identification Number (VIN) is a unique code used by the vehicle industry to identify individual motor vehicles, towed vehicles, motorcycles, scooters, mopeds, etc.
You can track a stolen car online with the vehicle identification number.
Also, VIN not only helps you verify if your car is stolen, but also plays an important role in its location and search. The steps you must follow are the following:
Go to AutoCheck and purchase a vehicle history report . The cost of the report is between $30 and $40.
Enter your vehicle identification number and credit card details on the vehicle history report search screen. You’ll see a chronological history of where your car was registered, titled, and serviced.
Last Known Record or Service should be the most recent location of your stolen vehicle. Therefore, you can narrow down the search range when your car is stolen and recover quickly.
Contact the police , they will help you track down your stolen vehicle with the information you provide.
Steps to report your stolen car.
In case you have verified that your car was stolen, you should call the police immediately.
When you file a police report, make sure you can provide enough information about your missing car. The more details you provide, the greater the chance that the police can help you recover your lost car.
If your stolen car is recovered and later impounded by the police (they can impound your stolen car by checking for traffic violations);
you should bring your identification card, driver’s license, and other documents that prove the car belongs to you. In this way, you can recover your car quickly.
In case you find yourself in the unfortunate situation that your car has been stolen, these are the important steps you must follow to report it:
1. Immediately contact the police to file a stolen vehicle report. The police will provide you with a printed copy of the report or a case number that you will need to file with your insurance company.
You must be prepared to provide the following information:
- License number.
- Vehicle Identification Number (VIN).
- Year, make, model and color.
- Identification marks, such as scratches or dents.
- Custom add-ons or wheel covers.
- A list of the items inside the vehicle.
- A description of the suspects you have seen.
Read also: Top 5 Best Car insurance
2. Contact your insurance company to file a claim within 24 hours of discovering your vehicle was stolen. Provide them with a printout of the police report or case number.
If your car is stolen while you have comprehensive insurance, you can get the “car theft” insurance payment from the insurance company.
If you get your stolen car back after receiving the insurance claim, call your insurance company. Keep in mind that the repossessed car now belongs to the insurance company.
If you wish, you can buy the recovered car from the company’s staff.
3. Contact the police and your insurance company immediately if you find your vehicle.
Does insurance cover a stolen car?
Only if you have comprehensive insurance on your car can you get compensation from the insurance company.
To do this, you need to purchase collision coverage and comprehensive coverage so you can get compensation if your car is stolen, vandalized or damaged.
To find out how long it takes for the insurance company to pay you for your stolen car, you must first file a “stolen car” insurance claim right away.
The insurance company will investigate the case before paying your loss.
Car insurance companies generally have a 30-day waiting period , before paying a stolen car claim, as it gives them time to see if the car will be recovered.
If your car is recovered but comes back damaged, the insurance company will determine if the car can be repaired or if it is a total loss.
If your vehicle is deemed a total loss, you will get the actual cash value of your car from the company.
In the event that your stolen car reappears after your insurance settlement, the insurance company will retain ownership of the vehicle. The vehicle will be sold for salvage or at auction.
Similarly, you can buy back your stolen car if the laws and insurance company guidelines allow it.
Also, if your financed car is stolen, you will have to continue paying the premiums while you make claims against the insurance company.
And in case your stolen car cannot be recovered, you will have to pay the remaining amount with your insurance payment.
Keep in mind that it would be a bad idea to withhold your payments, as it will damage your credibility and make it harder for you to get a better car loan in the future.