Tips for Handling a Stolen Car Insurance Claim - Tip Sheet by

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Auto theft is an all-too common occurrence in the U.S. The security and alarm specialists at have created a list of ways people can handle an insurance claim in the event of a stolen vehicle.

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These tips will help the confused consumer take the correct actions in the case they encounter a car theft.

Dealing with a stolen vehicle is many people’s worst nightmare. Aside from ensuring a vehicle has actually been stolen, and not simply towed, there are steps people can follow to make the insurance claim process go more smoothly, according to Alarm System Report is an alarm system review site that provides information about the top alarm system companies in the country.

1.    If a vehicle is stolen, it’s important to review the details of a car insurance policy. In order to be covered in the event of theft, it’s necessary to have comprehensive coverage. This is the case even if a car was stolen from the owner’s personal residence. Homeowner’s insurance does not cover a stolen vehicle.

2.    If a car is stolen, it needs to be documented immediately by the police. After speaking with the police, the person should then notify their insurance company immediately. The insurance agent can help in determining whether or not there is comprehensive coverage for the vehicle that was stolen.

3.    Sometimes the insurance claim process can be lengthy for a stolen car. Many insurance companies require a thirty day waiting period to see if the vehicle can be reclaimed. The waiting time starts often from the time the car was stolen, and not when the claim was filed.

4.    When an insurance adjuster asks questions about the theft, it’s important to answer honestly and completely.

5.    If a car is stolen it’s going to result in a total loss claim. This means it’ll be necessary to create an agreement with the insurance adjuster that includes the current value of the vehicle minus the deductible.

6.    After a total loss claim, the title is surrendered to the insurance company, and the person whose car was stolen has no more ownership claim to the vehicle. If the car is found after the claim is settled, the insurance company owns it.

7.    Personal belongings that are stolen from a car are not included in the auto insurance policy—this would be part of a renter or homeowner’s insurance policy.

8.    Keep in mind that having one of the best alarm systems present in a vehicle can mean a big insurance discount. The anti-theft discount typically only applies to the comprehensive coverage, however.

About is known as the country’s premier provider of independent, unbiased information pertaining to the home security and safety industry. Visitors to the site can find reviews of top alarm and security companies in every region throughout the country, including the Midwest. For example, whether you’re seeking information about Idaho security systems or Kansas security systems, it’s available on Also available are valuable discount codes and coupons.

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Steven Ordona
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