Stolen Car Insurance: File A Claim Now! – How to file a claim after your items are stolen. A no-stress, no-fuss guide to theft claims.
If you would like to learn more about the claims process, thank you. With this guide, you’ll be fully prepared if someone steals your items.
Stolen Car Insurance: File A Claim Now!
Theft is quite common: in fact, 48% of claims involve theft. And when your belongings are stolen, the last thing you want to do is call your insurance company.
Is Car Theft Covered By Auto Insurance?
The company makes filing a claim easy and immediate. Our #1 priority is to respond to you as quickly as possible with our usual (heavy) dose of empathy and love.
Our bot, AI Jim, speeds up the processing of simple parts of your claim, so we pay most simple claims instantly. If your claim is more complex, we’ll pass it on to our (human) claims team for a more thorough review.
To file a claim, open the app on your phone. If you don’t have it, download it and sign in using the email address you used when you received your policy.
1. Once you have arrived at the request, click on the pink button “Submit a claim” in the upper left corner.
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2. Meet our claims expert, AI Jim. It will start by checking your contact information and ask for more details about what happened.
3. Digitally sign a pledge of honor to ensure that everything you tell us about your application is true and honest. It will also remind you that your unclaimed premium does not go towards the company’s profits, but towards your chosen return target.
4. Explain exactly what happened in a short video (because who really has the strength to type a report?). It will only take about a minute. Imagine you’re talking to a friend and give us details, like when and where the theft happened. Your video is completely private. We will only use it to resolve your claim.
If you forgot to make a copy of the report during the theft, visit your local police department’s website and follow the instructions on how to obtain a copy.
What Happens When Your Car Is Totaled?
1. Next, we will need to find out what was stolen and confirm that the items belong to you. AI Jim will ask you to list the following:
2. You will also need to prove that the items belong to you. Receipts are the best way to do this, or you can use email order confirmations as proof of purchase.
1. Next, you’ll see a full summary of the information you’ve provided. Please ensure all information is correct before submitting a claim.
2. You will be asked to enter your bank account details so we know where to send the money if your claim is approved.
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After submitting the application, you will know immediately if it will be approved immediately (using artificial intelligence and 18 anti-fraud algorithms).
If AI Jim is unable to process your claim, it will be referred to our dedicated claims team. A claims specialist will contact you within an hour of submitting the claim to let you know what else we need.
While waiting for your request can be stressful, rest assured that our number one priority is to respond to you as quickly as possible. We will contact you if additional documentation is required or with next steps.
Please note that particularly complex or high value claims may require an investigator from our Special Investigations Unit to travel, which may extend the review process of your claim.
What Happens When Your Car Is Stolen And Then Found
After submitting a claim, you will be asked to enter your bank account details. You’ll know right away if your claim has been approved or receive an email after the team reviews your claim. Once your claim is approved, we’ll release the payment minus your deductible directly to your account (it may take 1-2 days for the funds to appear).
Unfortunately, not all claims will be filled. If your claim is rejected, we will tell you why. Some common reasons why we reject claims:
After all, it’s here to help you feel safe and at ease if something happens. We work to provide an incredibly high level claims service through compassion, transparency, accessibility and speed. So at least when something does happen, your claims process will be as hassle-free as possible, because after all, who really needs extra stress?
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Please note: Articles and other editorial content are for educational purposes only and should not be relied upon as a substitute for professional legal, insurance or financial advice. The content of these educational articles does not change the terms, conditions, exclusions or restrictions of the Company’s policies, which vary depending on your country of residence. While we regularly review previously published content to ensure that it is accurate and up-to-date, there may be times when the legal terms or policy details have changed since the date of publication. All hypothetical examples used in editorial content are for illustrative purposes only. Hypothetical examples do not alter or bind any application of your insurance policy to the specific facts and circumstances of any actual claim. Updated on September 27, 2023 | 0 minutes to read Alison Chan Alison is an SEO analyst at , with experience in the auto insurance industry.
Basic car insurance does not cover car theft unless you have comprehensive car insurance. Even then you need to make sure you take the right steps, even after your car has been stolen.
In the event of a car theft, you should have comprehensive coverage as part of your car insurance policy if you expect the stolen car to be replaced.
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Filing a claim for car theft can be a long process. Submitting the police report and the claim itself to your insurance company requires a lot of paperwork and some back and forth.
If your car is stolen, think of getting paid for a new car as a two-step process. First comes the police report, then a car insurance claim. Also, if you lease or finance a car, contact the lessor or lender as soon as possible.
As soon as you are sure your car is stolen, call 911 and file a police report right away. The sooner the authorities start looking for the car, the more likely they will find it.
We recommend that you always have up-to-date photos of your car on your phone in case of an emergency, such as theft. This will significantly speed up the process of identifying your vehicle.
What Is Comprehensive Insurance And What Does It Cover?
If your stolen vehicle is equipped with a GPS system, report it to the police and your insurer. Before you hang up, make sure you get the police report number and the contact phone number of your insurance company. The police can contact someone from the company on your behalf and start working on this. If not, call the phone yourself.
This step is especially important if you have comprehensive coverage. This is because it is the only form of car insurance that covers damaged or stolen vehicles.
Car insurers usually have online systems for quick claims submission, but it is highly recommended that you call and speak to your dedicated agent. This way you can immediately answer any question they have and reduce the number of calls in an already urgent situation.
Your insurance company may need additional information, such as the location of all your car keys and contact information for anyone who had access to your vehicle. It’s the insurer’s job to be thorough in restoring your car to avoid paying claims and the hassle of buying a new car, so be as helpful as you can.
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Because of this, expect serious questions when filing a claim. Fraudulent car theft claims happen and it makes insurers nervous about car theft claims. Be as open as possible with your insurer and answer their questions in as much detail as possible.
Make sure the information you provide to the police and your insurance company matches, as any discrepancies can cause problems during the claim process.
If personal property is stolen along with your vehicle, you will need to contact your homeowners or renters insurance. It may seem strange, but items that were in your car when it was stolen are not covered by your car insurance. The personal property section of your homeowner’s or renter’s insurance should cover replacement of stolen items.
Car insurance will not help you with this part of the crime. So unless you have a renters or homeowners policy, you will need to replace your property at your own expense.
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You should only follow this advice if you have left personal belongings or items containing personal information in the vehicle.
For example, many people keep their insurance card or registration document
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