What Do You Do When Your Car Is Stolen?
By: Good2GoPublished: April 5, 2019
There’s nothing like realizing your car isn’t where you left it. Frustration, anger, and panic blend into a tightly wound ball of anxiety. Staying calm is nothing short of impossible. Besides, you have your work cut out for you, if you’d like to see your car again. In the unfortunate event that your car is stolen, follow the steps below as quickly as possible.
Be Certain That It Was Stolen
Sometimes you may simply forget where you parked (especially if you live in a city). If you have a tendency to forget where you parked, take note of a nearby landmark, or just take a picture of the location. If you accidentally parked in a construction zone, sometimes your car can be relocated by the workers. Ask the team leader if your car was relocated. Oftentimes, the construction company will move your car to an open spot nearby. If that’s not the case, you’ll have to ask them which towing company they used.
File A Police Report
Calling the police is never fun, but sometimes it’s the only course of action. Be sure to include as many descriptive details as possible, like a dent or bumper sticker, to help make sure your car is more identifiable to law enforcement. Don’t forget to ask for a copy of the report for reference when you’re filing your insurance claim.
Call Your Boss
Even if it’s a weekend, informing your boss of the predicament you’ve suddenly found yourself in is a necessary part of the process. Especially since it will most likely require time away from work to file the police report and to notify your insurance company.
Call Your Insurance Carrier
Contact your insurance company to file your claim. They will dispatch an investigator to ensure that no foul play has occurred, or that the claim is in no way fraudulent. Print out a new copy of your insurance card for reference as you will need your policy number. Be sure to inform them that you filed a police report, and that you’ve requested a copy for your records. Something to think about – your insurance will only cover theft if you purchased comprehensive coverage. Otherwise, you’ll be out of luck.
Report the Incident to the DMV
The DMV has a database of all cars registered in the state (including stolen cars). They will flag your car as stolen and will begin working with the police to reunite you with your wheels.
Being the victim of car theft is a difficult situation to handle. You might feel a lack of motivation, powerlessness, anger, or even find yourself in a brief state of depression. Despite these feelings, you need to take action immediately. Pick up the phone and get the process started. Be grateful that you weren’t involved in an accident, and that you picked an insurance company that will get you back on the road fast. Visit www.good2go.com to get a free, no-obligation quote for low-cost, minimum limits auto insurance that can keep you driving legal for less.