What happens if my car is stolen?
If your car was stolen, be prepared to wait. Most insurance companies will impose a waiting period to see if the police recover your car. If your car is still missing after the waiting period, usually 21 days, you should receive a settlement soon after. If your car is recovered during the waiting period, the insurance company will want to see a repair estimate before deciding how to proceed.
If your policy has provision for replacement transportation, you may be required to pay for rental car out of your own pocket and then submit a claim to the insurance company for reimbursement.
