Knowing what to do if your car is stolen is not something that many people are familiar with or even want to think about. However, one of the main reason that you take out car insurance is to provide you with cover, should this unfortunate event occur. Although fortunately, the incidence of car theft is dropping, the fact remains that in 2010, one car was stolen on average every 26 seconds in the USA. So taking this statistic into account, make sure you look carefully at ways you can save money on your car insurance, but still get good cover in the event of your vehicle being stolen.

What to do first

If you suspect your car has been stolen, there are some simple checks to do before you call 911. Make sure another key holder, your spouse or family member has not taken the car and not told you that they have done this. If you have parked the car in a multi storey parking lot park, double check that you have not gone to the wrong floor and made a mistake. Don’t worry if this is the case, as it happens more often than you might think! If you see your car actually being stolen, don’t intervene as the thief may be armed and dangerous.

Useful information

Write down all the useful information you can think of together with a complete description of your car including any details of damage, bumper stickers or whatever. The VIN or vehicle identification number is important, you should have that to hand, keep a note of it in your wallet or handbag. If there are any personal effects in the car, note them down for the police too.

Contact your insurance provider

You need to have your police case number when you contact your car insurer, you should let them know that your car has been stolen. Given the type of coverage you have there will be different options available. If you have a car rental option in the case of theft, you can take advantage of this benefit now.

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