How does the insurance company compensate for a stolen car?

[StMary]

After the vehicle has been stolen for three months, the insurer will compensate based on the insured amount or the actual value of the vehicle at the time of the incident. If only parts or accessories of the insured vehicle are stolen without the entire vehicle being taken, the insurance company will not provide compensation. If the entire insured vehicle is stolen and after being filed by the public security department, it is not recovered for more than three months, the insurance liability will be triggered. For losses caused by the theft of the entire vehicle, the insurance company will provide corresponding compensation according to the insurance policy terms.