Do I have to pay to get my stolen car back?

Asked by: Maximillia Koepp  |  Last update: June 3, 2025
Score: 4.8/5 (12 votes)

If your stolen vehicle is recovered, you may have to pay impound lot fees to get it back. These costs depend on your location and the base fee of the impound lot, but expect to see at least a $250 base fee plus about $60 per day for the time the car sits on the lot.

Do I still have to pay my car if it gets stolen?

Unfortunately, when your car is stolen, you are still obligated to make payments on it. If your insurance claim payout is approved, you can use the claims check to pay against any amount owed. If the payout amount is less than the amount financed, it will be your responsibility to pay the difference.

Can I get my car back if it was stolen?

Short answer - you are entitled to get your vehicle back after it was stolen even if the thief sold it to someone else. It never belonged to the thief, so they could not lawfully transfer ownership to anyone else - it is still your car.

Do stolen cars ever get returned?

The quicker you report the theft, the higher the chances of recovering your vehicle. According to the Insurance Information Institute, cars reported stolen in the first 24 hours have a 34 percent same-day recovery rate. More than 85 percent of stolen vehicles are eventually recovered.

What happens when a car is stolen from a dealership?

The car dealers generally tell the car owners to file the theft claim with their own insurance and you might have to pay a deductible when you did nothing wrong. In this situation your insurance company may go after the car dealer's insurance company to cover the cost.

How to get fees from stolen car recovery waived

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How much will insurance pay for a stolen car?

Car Theft Insurance: When Am I Entitled to Coverage? Downey drivers whose cars are stolen in Califonia will have car theft insurance if they have comprehensive coverage. That should cover you up to the Actual Cash Value (ACV) of your vehicle. If your car is damaged due to a break-in, you'll also be covered.

What happens after someone steals your car?

If your car is stolen, you should file a claim with your insurance company. As long as you have comprehensive coverage, vehicle theft should be covered. If the car is later recovered after the claim has been paid, it's the insurance company's property.

Do you have to accept a stolen car back?

The outcome of the legal process will determine the fate of your car. Return to the owner. If the ruling is that the vehicle should be returned to you, you must provide proof of ownership and pay any impound fees or storage fees before the vehicle can be released.

Can a dealership track a stolen car?

GPS tracking devices allow dealerships to monitor these vehicles, ensuring they know where each asset is at all times. In cases where vehicles are stolen, dealerships can rapidly recover them thanks to SVR (Stolen Vehicle Recovery) systems.

Where do stolen cars usually end up?

According to the FBI, a car is stolen in the U.S. about once every 40 seconds. Many of them end up at ports like the Port of Baltimore, where they are put on cargo ships headed to West Africa.

How can I recover my stolen car?

This article aims to provide a comprehensive guide on how to find your stolen car by combining essential steps, leveraging technology, and engaging community resources.
  1. Confirm the Theft. ...
  2. Ask Around. ...
  3. Report to the Police. ...
  4. Leverage VIN Tracking. ...
  5. Check Nearby Security Cameras. ...
  6. Utilise GPS and Bluetooth Tracking.

How long before insurance pays for a stolen car?

To give you a short and sweet answer: Insurance companies typically wait 30 days before issuing a payout for a stolen vehicle, in case it is recovered by police before then. However, if you've experienced a vehicle theft, there's a few more things you should know.

Who pays if someone steals your car?

Your theft insurance should cover most of the replacement cost. All loans require collision and theft insurance for the vehicle that you DO NOT own but are paying for.

Does your insurance go up after your car is stolen?

Claiming a stolen vehicle becomes a part of your insurance claim history. While comprehensive claims are generally not viewed as negatively as at-fault accidents, multiple claims, including theft claims, can still affect your premiums. Location Matters: The area where your car was stolen may influence your rates.

What happens if your car gets stolen and no insurance?

Unfortunately, if your car is stolen and you don't have insurance coverage, you may be responsible for the full cost of replacing your vehicle. When a car is stolen, the owner typically files a police report and notifies their insurance company.

Can police track down a stolen car?

The Police Tracking Computer provides the police officer, via the dispatcher, all pertinent information about the stolen vehicle. The LoJack monitor installed in patrol cars has a strength indicator that tells the officer if he is within one mile of the stolen vehicle, allowing time for back-up help to be called.

How to check if a stolen car has been found?

NICB's VINCheck is a free lookup service provided to the public to assist in determining if a vehicle may have a record of an insurance theft claim, and has not been recovered, or has ever been reported as a salvage vehicle by participating NICB member insurance companies.

Can I report my car stolen if someone stops making payments?

At this point, since he took your property without your consent and has deprived you of both the car and the compensation you are owed, you have valid legal grounds to consider the vehicle stolen and report it as such to law enforcement.

What happens if your car is stolen and you still owe money?

Unless you take out GAP insurance when financing a car, you will have to continue making monthly payments when the vehicle is stolen. However, you will be free to sign a new agreement once you have paid off the remaining balance on your auto loan.

Is a stolen car automatically salvage?

Your insurer will write the car off as a total loss and take it into their possession. The car's next title will be referred to as a salvage title, even if the car is in perfect condition. Previously stolen cars with a salvage title can lose anywhere from 20% to 40% of their original value.

What do thieves do after stealing a car?

Chopping up cars and selling the parts

Many criminals send stolen cars to chop shops, which provide lucrative opportunities for car thieves. Once a car is stolen, chop shop operators strip them for parts and sell them to other people who need parts for crashed cars.

How to get a stolen car back?

How to Find a Stolen Car: 10 Effective Ways
  1. File a “Car Stolen” Report to the Police. ...
  2. Track Stolen Car with VIN Number. ...
  3. Use GPS Device to Track Your Stolen Car. ...
  4. Check Security Camera Footage to Find Your Stolen Car. ...
  5. Contact Your Insurance Company. ...
  6. Inform Your Leasing Company If Your Rented Car Is Stolen.

Can I sue someone if they stole my car?

If you have to buy a new vehicle or make repairs to your stolen vehicle upon its return, you can sue for compensation for those damages. You might also sue for damages if you had to take time away from work or pay for a rental vehicle while your car was missing.

What happens if your car is stolen and you still owe money on Reddit?

You'll still owe the remainder of the loan. With theft coverage? If you had GAP insurance, you'll get whatever is owed on the loan. If you didn't have GAP insurance, you'll get the actual cash value of the car, and you'll owe whatever the difference is between what is owed on the loan and the ACV.