You’re out and about, having a fantastic time; you return to your car to discover it’s gone. After checking in with other drivers, you determine that your vehicle has been stolen. You aren’t the only one who feels this way. According to the Insurance Information Institute, auto theft is a widespread crime in the United States, with approximately 750,000 automobiles reported stolen. So, what do you do if your automobile isn’t there?

You’re probably feeling overwhelmed and concerned if you fear your automobile has been stolen. Keep your cool and trust the individuals who can assist you. Contact the police as soon as possible to report a stolen car. The importance of time cannot be overstated. The longer you wait to report a stolen vehicle, the less likely the police will be able to locate it. Online, in person, or over the phone, police reports can be filed. When describing your lost car, be as specific as possible. Tell the authorities your car’s make, model, year, color, license plate number, and, if you have it, the vehicle identification number (VIN). Include any specific details that come to mind, such as a bumper sticker, scrape, mark, or dent, that can aid in identifying your car. Contact your insurance carrier to inform them that your automobile has been stolen, regardless of the coverage you have on it. This will cover you if your car is involved in an accident that damages property or injures someone while it is not in your ownership.

If your car is financed or leased, contact your leasing company to report the theft and give your insurance information. In this instance, your insurance provider will connect with them immediately and pay them a claim, saving you time. Your task now is to wait and see if law enforcement can reclaim your car after all of the documentation has been filed. Check for personal items left in the vehicle, such as a phone, laptop, or jewelry, if it’s located. Your automobile is protected by comprehensive coverage, but your renters or homeowners insurance may be able to assist cover other things if your vehicle is stolen. If you recover your vehicle, it may be in worse shape than when it was stolen. We recommend having a claims adjuster inspect the car to see whether any damage has occurred. You wouldn’t be accountable for damage charges if you alert your insurance carrier after the vehicle was stolen and had acquired the appropriate coverages.