What usually happens when a car is stolen?
Asked by: Lura Ratke | Last update: October 11, 2025Score: 4.7/5 (5 votes)
What usually happens to stolen cars?
More than 85 percent of stolen vehicles are eventually recovered. Once you've provided information to the police, they can create a report.
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.
Can cars be tracked if stolen?
There are 5 different ways to track a stolen car: Report the license plate to the police. Check its VIN (Vehicle Identification Number) maintenance log. Find the location using a pre-installed Bluetooth tracking system.
Who is responsible if your car is stolen?
Explanation of Liability
When your car is stolen, the thief usually takes on the liability for any accidents they cause. However, certain situations might complicate this general rule, making it essential to know the specifics.
What Happens to Stolen Cars?
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.
How long does it take police to find a stolen car?
If you report your car as stolen immediately to police, there's a better chance it will be recovered. In fact, according to NICB data, 35% of recovered stolen vehicles are recovered on the same day as the theft, and 45% are recovered within two days.
What are the odds of finding a stolen car?
According to Progressive Insurance's report, the US average rate for car theft recovery is 46%, but the rate varies greatly among states. For example, the stolen car recovery rate in Washington was 71%, in Utah was 63%, but only 28% in Alabama. All in all, the chance of finding a stolen car is quite high.
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.
What happens when a car is reported stolen?
What happens after you report your car stolen? After your car is reported stolen, the police will place it on a list of stolen vehicles, and if they locate it, you'll be notified. In the meantime, you can start the claims process with your insurance company.
What happens if your car is stolen and you don't have 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.
How to recover a stolen car?
Locating your vehicle
After reporting the vehicle stolen to law enforcement, contact an OnStar Advisor at 1.888. 4ONSTAR (1.888. 466.7827) to begin the process of locating and recovering your vehicle. Built-in GPS technology can help the Advisor find your vehicle and relay its location to the proper authorities.
What do police do about stolen vehicles?
It depends on a few factors. If it's occupied, we will probably arrest the driver. If not, we recover the stolen vehicle. If it was stolen as part of a more significant crime, we may have it towed to our CSI garage so it can be processed for evidence before being released to the owner.
Where do most stolen cars 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 much value does a stolen car lose?
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 time of day are most cars stolen?
Car thieves tend to steer clear of highly-visible areas, especially if there are security cameras or nosy neighbors around. This is especially important at night between 2 and 5 a.m. Since most people are asleep, that's the most common time for cars to be stolen.
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.
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.
What happens if your car is stolen and never found?
Stolen vehicles are protected by comprehensive coverage
If someone steals your vehicle and it's not recovered, your insurer will cut you a check for your car's current value if you have comprehensive coverage. This may be true even if the car was stolen with the keys in it.
Can police track where your car is?
Investigators can monitor the movements of a suspect vehicle in real-time, or save the vehicle's movement history for review later. By overlaying the location data and time stamps on a map, the police discover the places the vehicle has visited, the routes its driver took, even the speed at which he was driving.
How often do police catch car thieves?
Nationally, solve rates for vehicle theft have remained low. FBI estimates going back as far as 2000 show less than 1 in 5 such cases were "cleared" — meaning police either made an arrest or had enough information to solve the case.
Can I track my car after it's been stolen?
It's a question we hear a lot — “can OnStar locate my car?” We sure can. Once law enforcement confirms your vehicle has been stolen, our Advisors use GPS to help authorities find your vehicle.
How are most stolen cars found?
Police Notification: The police are generally the ones who locate and recover stolen vehicles. They will contact you to inform you that your car has been found. The condition of your car when it's found can vary.
What is the average time to find a stolen car?
On average, law enforcement typically finds a stolen vehicle within 48 hours of it being reported missing. But the process can also take much, much longer. So be patient as law enforcement searches for your vehicle.