What to do if your car is stolen
By Allstate
Last updated: January 0001
Discovering your car has been stolen is a stressful experience – but knowing what to do next can help you protect yourself, recover your vehicle (if possible), and start the claims process as smoothly as possible. Here's how insurance can help and the steps you should take immediately.
Is car theft covered by insurance?
Auto theft is covered under comprehensive insurance, which protects against non-collision events like fire, vandalism, weather – and vehicle theft.
If your car insurance policy includes only liability coverage, theft would not be included.
What to do immediately after a car theft
To minimize stress and delays, take these four steps:
1. Call the police and file a report
Provide details like your VIN, license plate, make/model, and the last known location.
2. Contact your auto insurer right away
Let them know your car has been stolen and begin the claims process.
3. Submit supporting documents
These may include your title, lease or loan papers, and the police report number.
4. Track your claim online or via an app
Most insurers offer digital tools (like a mobile app) to upload files and track your status in real time.
What happens if the car is recovered?
If your vehicle is found after filing the claim:
If the car is undamaged
You may be able to retain it. If you do, the claim could be canceled.
If there’s damage
Your comprehensive policy may cover repairs, minus your deductible.
If the car is totaled
Your insurer will treat it as a total loss and issue a payout.
If a claim has already been paid and the vehicle is found later, your insurer may take possession of the recovered vehicle.
Reimbursement and claims timeline
Insurers often wait a short period (7–14 days) after a theft is reported in case the vehicle is recovered. If it isn’t, your insurance provider will typically:
- Determine the vehicle’s actual cash value (ACV)
- Subtract your deductible
- Pay your lender directly (if the car is leased or financed), with any remainder issued to you
Theft is unpredictable, but recovery starts with the right plan. Make sure your policy includes comprehensive coverage, and know your next steps if your vehicle ever goes missing.
Frequently asked questions
It might. While not as severe as an at-fault accident, comprehensive claims can influence future premiums depending on your carrier and claims history.
Only if you have rental reimbursement coverage on your policy.
No. Personal belongings are typically covered under homeowners or renters insurance, not your auto insurance policy.
That doesn’t automatically disqualify your claim, but your insurer may consider it during their investigation.