Having your car stolen is one of those nightmare scenarios you hope never happens. Unfortunately, it can—and does—occur more often than many people realize. If it happens, knowing what steps to take and how your insurance can help will make a stressful situation more manageable. At Max Insurance LLC in Des Moines, IA, we guide drivers through unexpected events like this every day.

Report the Theft Immediately

The first step is to report the theft to the police. They will file a report, which you’ll need for your insurance claim. Be as detailed as possible—include the make, model, license plate number, and any distinguishing features of your vehicle. Once the report is filed, contact your insurance provider promptly to initiate the claims process.

Understand Your Coverage

Not all auto insurance policies cover theft. To be protected against a stolen car, you need comprehensive coverage. This portion of your policy is designed to cover non-collision-related incidents, such as theft, vandalism, or weather damage. If you have comprehensive coverage, your insurer will guide you through the claim process, potentially covering the vehicle’s value minus your deductible.

What Happens If Your Car Is Recovered?

In some cases, stolen vehicles are recovered—but they may not be in the same condition. If your car is found with damage, your insurance may cover the repair costs. If the vehicle is totaled, your insurer may pay out the actual cash value, depending on the terms of your policy.

Prepare for the Unexpected

Car theft is never convenient, but having the right insurance can help ease the burden. If you’re unsure whether your current policy protects you from theft, contact Max Insurance LLC in Des Moines, IA. We’ll ensure you’re covered before you ever need to be.