The first thing that happens is you'll file a report with the police, who will enter your vehicle's information into the National Crime Information Center (NCIC) database. This flags the car as stolen to law enforcement nationwide, initiating the search process. You must then immediately contact your insurance company to start the claims process, which typically involves a waiting period before a payout is issued.
Immediate Police Action
After you provide the police with details like your VIN (Vehicle Identification Number), license plate, make, model, and color, they will create a stolen vehicle report. This report number is crucial for your insurance claim. The entry into the NCIC system means any officer who runs your plate will be alerted. Law enforcement may also use automated license plate readers to scan for your car.
The Insurance Claim Process
You need to call your insurer without delay. They will assign an adjuster to your case. Most policies have a mandatory waiting period, often around 30 days, to see if the vehicle is recovered. If it's not found by the end of that period, the company will likely declare it a total loss and proceed with a settlement based on your car's actual cash value minus your deductible.
Potential Recovery Scenarios
If your car is found, the police will contact you. Recovery can lead to different outcomes. The vehicle might be undamaged, or it could have significant damage, which your insurance would then cover under your comprehensive policy. It's also possible personal items inside the car are missing; these are typically not covered by auto insurance but may be covered by your homeowners or renters policy.
| Scenario | Likely Outcome | Typical Timeline for Resolution |
|---|
| Vehicle recovered undamaged | Police release it to you; you notify your insurer to close the claim. | A few days to a few weeks. |
| Vehicle recovered with damage | Insurance adjuster assesses damage; repairs are covered under comprehensive insurance. | Several weeks for assessment and repairs. |
| Vehicle not recovered | Insurance company pays the actual cash value settlement after the waiting period. | Approximately 30-75 days from the report date. |
| Stolen car used in a crime | Vehicle is held as evidence; release is delayed until law enforcement clears it. | Timeline depends on the criminal investigation. |
| Fraudulent theft report | Investigation launched; potential for serious criminal charges against the reporter. | Immediate legal consequences upon discovery. |
