What To Do If Your Car Is Stolen

Car being stolen through smashed window

If your car is stolen and you need to report a claim to Plymouth Rock, you may do so online. Here’s what to do if your car is stolen, how to report it and what happens after you file your claim.

What to Do if Your Car is Stolen

If your car isn’t where you thought you left it, make sure that your car was actually stolen. Were you parked away from home in a parking lot or on the street? Double check for “no parking” or “tow away zone” signs, as your vehicle may have been towed. Check that no one borrowed your car without asking for permission, too.

File a Police Report

Contact your local police department and report the theft. Have your Vehicle Identification Number (VIN) handy, along with any other information that can help identify your car.

Does Your Insurance Cover a Stolen Car?

Your car insurance covers a stolen car if you have comprehensive coverage. This coverage helps pay for damages not caused by a collision, including theft. It’s not mandatory, but may be required by lenders if you financed or leased your vehicle.

How to File a Claim

Having your car stolen is stressful enough; filing your claim shouldn’t be. That’s why we designed our auto claim services to simplify the claims process and get you back on the road in no time.

  1. Be sure that your car was stolen, and not borrowed without permission or towed.
  2. Report the loss to the police, and obtain a police report.
  3. Have your policy number ready. The easiest way to file a claim is online, but you can also file a claim by phone. We’ll assign you a friendly personal representative to walk you through your policy coverage and answer any questions you may have.
  4. Once your claim is filed, our adjusters will investigate your claim and review your policy coverage. Track the status of your claim online, 24/7. View and access your claim representative’s contact information, payments we’ve issued and claim forms.
  5. Check with police for updates on your vehicle’s status.
  6. If you have an outstanding loan or lease, we will notify any financial lenders.

What Happens When Your Car is Stolen then Found?

Once your claim is filed, we’ll work with law enforcement to track down your vehicle. If we can recover it, you’ll get your vehicle back along with a settlement offer to repair any damages it may have sustained.

If your vehicle cannot be recovered, or if it has been recovered with enough damage, it will be considered a total loss. You’ll be offered a settlement for its fair market value.

What if Your Car is Found After a Claim is Resolved?

You’ll need to transfer the title of your vehicle at or before time of payment to resolve the claim. This means that if your car is found after your claim has been resolved and paid out, your insurance company will take ownership of it. There is nothing else you need to do.

Now Let’s Talk About You
Do you have the right coverage for your vehicle? We’d love to chat with you about it. Call us at 855-993-4470 or speak to a local agent.

If you’d rather not talk, you can get a quote quickly and easily online. Just enter your ZIP code to get started and see how much you could save!