- October 21, 2009
Claiming For a Stolen Car
Claiming for a stolen car is something that everyone hopes that they do not have to do. It is one of those things where each person thinks that they do not need the insurance although they continue to pay for it since it really does not add much money to their overall insurance premiums. Further there are a number of different things to consider is you have to put in an insurance claim for a stolen car. Some of these things do vary by state so therefore you will want to know your state’s laws and the things that are required of you by the state that you live in. Based on this information there are a number of things that need to be considered and thought about.
In most cases as long as you have reported your car stolen, filed a police report and notified your insurance that you are putting in a claim for your stolen car then you will not be expected to make premium payments during this time. This is something that is important and something that continues to be thought about in a number of different ways. Further there are a number of different issues in which one is considered to think about things. Make sure that you talk to your insurance company about the length of time that it will take to be able to have your claim finished. Keep in mind that if the theft of your car has been reported in the right way and that you are able to notify them about things.
One thing to consider is that you are in no way responsible for things or an accident if the thief happens to be involved in one. Your car will still be fine even if you are not paying for insurance at this time. One further thing is that until your car insurance kicks in and pays off your loan your financial institution will most likely continue to expect you to be able to make car payments. Remember that you can expect that any overpayment made whether to the insurance company or to the financial institution will be promptly refunded.
There are a number of things that need to be considered when you are putting in a claim for your stolen car. The first thing that you should do when you realize that your car has been stolen is that you should contact the police or other local authorities. After this phone call you should call your insurance company. Depending on your insurance you should make a list of things that were in your car. These things include electronic or other big ticket items and things like car seats as these are typically covered by your insurance as well.
Further even if your car is recovered then you are still entitled to some other things being replaced like these electronic items and things like car seats as if the car seat has been involved in an accident then it is no longer a useable car seat. After you have made this list you should contact your insurance company and let them know that you had things in your car that you would like to have replaced. There is no reason for you to have to worry about things or for you to be worried about how you will replace items that were in your car. Remember that if you have kept the receipt for these things then you are able to have them replaced more quickly. Some things that happen with these types of situations are that there are a number of things that need to be considered when it comes to filing for your stolen car. There are so many things that need to be considered when trying to be able to do so.