If your car is stolen and you have comprehensive insurance, you will be reimbursed for the value of your car. No matter if you left the keys in the car. So if you’re victim of auto theft, then you only have to contact to your local auto insurnace agent to file a claim.
What is comprehensive insurance?
Comprehensive insurance coverage is optional coverage that protects against damage to a vehicle caused by non-collision events. These events are outside of one's control. It includes theft, vandalism, glass and windshield crashing, fire, damage due to animals, weather, tornado, or other disasters of nature.
What happens if your car gets stolen and you have full coverage?
If you're unfortunate enough to have your car stolen, you may be covered if you have full coverage insurance. This type of policy typically includes comprehensive coverage, which pays for damages to your vehicle caused by events other than a collision, such as theft. If you have comprehensive coverage and your car is stolen, your insurer will reimburse you for the actual value of your car, minus your deductible.
Stolen car insurance claim investigation
When it comes to investigating a stolen car insurance claim, the first thing that police officers will do is look for any clues that may lead them to the thief or thieves. This includes looking for any physical evidence, such as fingerprints, tire marks, or weapons left behind in the car.
If police offircers are able to identify the thief or thieves, they will likely start by trying to track down their vehicle. This can be done by checking databases that track stolen vehicles, tracking down witnesses who may have seen the car being taken, or digging through social media posts that may have information about the car.
This investigation can be quite long, auto insurance companies will always let longer time to give you sa payout due they expect police officers will find within 30 days. Keep in mind that length of time may vary depending on many factors, what your car insurance company wants to know is that your car as been trully stolen or not. This investigation can take as much as 3 month, but that depends on the state laws you live in and the auto insurance company you have.
Once your auto insurance company has found that your vehicle has been trully stolen, it will take just 10 days for part of your auto insurance adjuster determine to how much does your auto insurance company must pay you, your auto insurance adjuster will calculate the total loss value, and that means you must negotiate and reach an agreement with them to get paid.
What happens when your car is stolen then found?
If your car has been found during the investigation, then your comprehensive coverage will pay you for the damages done to your car while being stolen. However, if your auto insurance company already paid you, then you will have to settle it with your auto insurance company.
Will my car insurance cover my personal belongings?
Your comprehensive auto coverage won’t cover your personal belonging inside the car. But if you have homeowner’s or a renter’s insurance, then you will be able to get paid for your personal belongings.
What to do when my stolen car insurance claim has been denied?
There are many reasons why your car insurance company may deny your claim, such as your policy does not cover theft, or it was a false claim, or just this claim doesn’t comply with your policy.
If you only have liability insurance, your auto insurance company will deny your auto theft claim. As you don’t have comprehensive auto insurance, you will never get paid by your auto insurance company.
If your auto insurance adjuster thinks that you have filled a false claim, then you should tell everything you have not told your auto insurance before, otherwise you will pay heavy fines depending on state you live in.
Can I cancel a car insurance claim while being under investigation?
Yes, you can cancel it at any time. You only must to talk to your auto insurance agent and tell him or her everything clearly why you have cancelled your claim, then your auto insurance adjuster will floow the steps to cancel your claim.
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