I stole my car ! "- Auto insurance

And no, car theft that does not happen to others . That does not happen any more than on cars that cost 55,000 euros . Proof your old Peugeot 307 has disappeared, without presenting a large pecuniary interest. You have been reporting your car stolen to the police ( see the first part of this article) and you now need to perform the steps with your auto insurance.

Attention to time

Before anything else , make sure that you are insured against theft . This is the case in most contracts all risks. This is not necessarily provided on a contract to third parties. It is therefore an element carefully taken into account when performing an auto insurance quote. If you are insured against theft, according to most contracts, you need to meet a deadline, usually 48 hours to report the theft to your insurance. It can not be less than 2 working days (Sundays and holidays do not count ) . To report the theft to your insurance, you should inform them of the theft report , by registered mail or direct agency .

Car found or not?

What will happen next ? Several scenarios . In your contract include a time limit , usually 30 days from the declaration of the flight, after which your insurance will consider the car as permanently lost.

Your car is found before the deadline

Then you get your car in the state. In the event that the car was damaged, the body was pressed , broken windows, or other , your insurance will pay for repairs. This boils down to the usual case of repairs which will involve a possible minimum amount of repairs and a deductible (depending on your policy ) . It goes without saying that you need to prove that your car has suffered an attempted robbery (forced lock, steering lock forced , manipulated son ... ) .

If there is no evidence of tampering , you must strive to prove by evidence , expertise of the car, you're not about to cheat your insurer. The courts , however, have repeatedly recognized the flight without breaking valid. By an almost constant jurisprudence , it is generally acknowledged that " we can start a vehicle without damaging the wiring harness [...] the flight can be found even in the absence of evidence of tampering on the burglar " or that "the absence of evidence of tampering does not prove that the flight was not done by a skilled specialist ."

We do not find your car

It will be considered stolen after a period of generally 30 days. The insurer then you will "buy " the car , you will give him the keys and the logbook, and it will in turn compensate you according to the clauses in the contract to a value determined by an expert . In the case where we find the car beyond the period of 30 days, you can choose to keep the compensation paid by your insurance. It then retrieves the car (which is it in fact) and resell . You can also choose to get the car , with your insurer reimbursement of the compensation that you had paid.

Finally, several clauses come into play when a car theft. It is important when choosing your insurance , compare offers and different clauses. Internet is a good tool for this as number of comparators exist online . You can find more information LesFurets.com or another such site .

You can also find other useful information in our special section auto insurance
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