What To Do If Your Car Is Stolen

What do you do if your car is stolen? There are five steps to take after your car is stolen. First, you need to call the police, which is required before filing a car insurance claim with your insurance company. Then you contact your insurance company and give them all of the information you have. After this, you contact the bank and then wait to see what happens.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Aug 18, 2021

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America is the land of the automobile. Unfortunately, it is also the land of automobile theft. Although the rate of car theft is declining, thousands of Americans still get their cars stolen every day. In 2006 alone, 1,192,809 vehicles were reported stolen.

What To Do If Your Car Is Stolen
If your car is stolen, follow these steps to make the recovery process as painless as possible.

America’s shopping centers are not only playgrounds for bargain hunters, they are also playgrounds for car thieves. Hundreds of cars left unattended and unsecured make them ripe for the picking. If you were one of their victims, we feel your pain. Getting your car stolen sucks, but it isn’t the end of the world. If your car is ever stolen, you need to remain calm and follow these five steps.

Five Steps To Take After Your Car Is Stolen

  1. Call the police – You got your car stolen–now what to do? After checking around the parking lot and making sure you just didn’t forget where you parked, call the police. You should contact your local police office immediately and file a “stolen vehicle report.” The reason this is important is because the police will know to contact you if the vehicle ever “turns up” somewhere or if they find the vehicle. In addition, your insurance provider or insurer won’t be able to file a claim for you unless you first file a stolen vehicle report with the police.
  2. Call your car insurance companyWhether you have Farmers Insurance vs. State Farm car insurance, your auto insurance provider will only be able to help you replace your stolen vehicle if you have comprehensive coverage. With that being said, you should still contact your insurance company immediately, even if you aren’t covered for auto theft. If the car thief crashes into somebody else or if he harms others while driving your car, you will be protected. If you are covered for motor vehicle theft (AKA – you have comprehensive coverage), you shouldn’t worry. The insurance company will replace your stolen vehicle for you.
  3. Give your insurance company your information – When you call up your insurance company to report your stolen car, make sure you have the following information available:

    – When and where you last saw your vehicle.
    Title of the vehicle or a copy of your lease.
    – Your Vehicle Identification Number (VIN Number).
    – A description of your vehicle including estimated mileage, past repair work, any current damages, upgrades, and options.
    – Names and addresses of people who had access to your car.
    – Location of all the car keys to the vehicle.
    – The police report number, as well as the police department you filed your stolen vehicle report with.

  4. Contact the bank – If your car was leased or if you had a loan for your vehicle, you should also contact your bank or your leasing company to inform them of the motor vehicle theft.
  5. Sit back and wait – Often times the police will recover your vehicle unscathed, but this does not happen the majority of the time. After you file a claim, your insurance agent will go over the next steps with you. If your auto insurance policy provides you with rental cars in these situations, your agent will also help you with that.

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How To Prevent Auto Theft In The Future

Now that your car has been stolen and you have completed all the paper work and reports, your next step should be to learn about things you can do to prevent this type of situation in the future. Let’s take a look at the things you can do to prevent car theft:

  • Install an anti theft device such as LoJack and car alarm
  • Always lock your car
  • Never leave your keys in the car when your car is unattended
  • Never leave valuables in plain view when your car is unattended
  • Always park in safe areas that are well-lit and high traffic

There are also some things you should consider doing as preventative measures in case your car is stolen:

  • Install a GPS or some other sort of tracking device to help authorities track down your car if it is stolen.
  • Get an immobilizing device such as a fuel cut off or a “kill switch” so you can stop the thief dead in his tracks before he gets too far.
  • Keep copies of important documents like your registration, title, license, insurance cars, maintenance reports, etc. in a safe place outside of your car. This will make the stolen vehicle report process much easier and less stressful.
  • Take pictures of your car for insurance purposes. This can help prove damages in case your car is damaged or seriously altered post-theft.

Although nobody should ever have to go through the troubles of having their car stolen, you can protect yourself and make the process much more bearable if you just follow these simple steps. Make sure to choose a reliable and reputable insurance company. In case of vehicle theft, they will be able to help you get back on your feet and get on with your life.

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