Stolen recovered cars insurance reddit Hi, our car got stolen from our apartment building parking lot on Christmas eve (major yikes). I have full coverage insurance through AAA and owe about $2k on an auto loan to my bank on the car. I have a Hyundai, which along with Kias are a huge target right now for theft. How much you guys think insurance will give me? I don’t have money or transportation right now. Insurance company wouldn’t deem it a total loss despite the biohazard. myAudi app should be able to see it but its says do not use to locate a stolen car (don't know why) Other cars have a similar thing and when my friends car got stolen he belatedly signed up for the app. " So a little over a month ago my car was stolen in Los Angeles. I'm in New Mexico with full comprehensive insurance. 24. As far as we were concerned the car was gone and we were forced to return the insurance provided rental. Someone stole my Hyundai Santa Fe XL out of my driveway without the keys on Tuesday, and it was recovered today. There were two 2019 Golf GTI's, a stolen/recovered one with 42,000 miles on the clock. My car is a 17 year old Jetta TDI, and I still like driving it. My car has an immobilizing transponder system, which apparently cannot be stolen without designated keys (all the keys were accounted for). Don't drive around in it now you know it's a clone. I signed the “total loss” paper work and signed the title over to Allstate 2 weeks ago. You come in as the next buyer now. I was in Columbus Ohio for work, and I live about an hour away. Now, that isn't likely for a car to have the gauges broken. The problem is that now the vehicle has a stolen/recovered title and probably won't be worth anything. The car hasn't been in use for a few months now. The reality is even if the car has minor repairable damages it's probably lost it's value significantly plus just don't feel it's safe to keep it around with me anymore (lI've recently heard stories where people's kias get stolen multiple times). They couldn't find it but said the leasing side could see everything so they could recover their cars. Buyer (dealership) buys car and maybe cleans it out. should i sell to carvana and whats their process with buying these kind of cars Animals and Pets Anime Art Cars and Motor Vehicles Crafts and DIY Culture, Race, and Ethnicity Ethics and Philosophy Fashion Food and Drink History Hobbies Law Learning and Education Military Movies Music Place Podcasts and Streamers Politics Programming Reading, Writing, and Literature Religion and Spirituality Science Tabletop Games I have AAA insurance and they said if the car was not recovered in 20 days they will deem it a total loss. Broke the window in the back & somehow started it. I have full coverage on my 2011 honda accord 180k miles (KBB avg $6k from private party). The Sargent finally released the hold so I released it to my Insurance co, right. Did some research and it seems like what could’ve happened is the car was stolen at some point, the original owner got and insurance payout, sometime later the car was recovered by the insurance company, who now owns the car and proceeds to sell it in an auction. in a normal total they go over the car and any damages the car has (nicks, dings, dents, scratches, broken whatever) is a deduction in the value. I think it’s kind of bull shit that insurance won’t cover this issue that clearly happened immediately after the car was stolen. My car was stolen and recovered. After figuring out all the details in what would… My car is stolen for a month already, and the insurance company decided to pay me the totaled price. The vehicle appears to not be in an accident. They won't pay you for it being stolen a second time, it was theirs the second time. The car is listed as a repairable write off. Any way, my car was stolen on 12/28/23 and recovered a week later. I was about 1,000 miles over the recommended 3,000 mile mark for an oil change, but I’ve read that it’s more like 5,000 these days if not more. She drove car rental for 3 months before bodyshop got parts available. Maybe 2-300 bullet holes, every glass smashed, and graffiti. I filed a claim for a stolen vehicle before it was recovered. Been there, done that. Not saying either insurance will pay the full $18k, but a majority of the balance will be paid through insurance. Police were able to get DNA evidence from the vehicle because it was Thank you all for your input—the detectives are unsure if the suspect is a lover of meth, but confirmed no drugs/paraphernalia were on either person found in the car, or in the car itself. Most reports can be obtained by a vendor unless the claim is more involved (fatality claims). Random car pound calls her up saying we have your car. 1 recovered after a police chase 6 hours after it was reported stolen as a police car drove past it and it flagged up on their computer. The car was recovered but had multiple components stolen from the engine compartment, but my insurance said this was not a total loss. I assume the insurance company will send an adjuster to go over the vehicle to determine what needs to be done to restore Most insurance companies use a 3rd party company that creates a report based on the vin, mileage, condition and vehicle options. I also wouldn’t just count on OPD finding it. This has the benefit that if someone takes the car and runs through red light cams, etc. The rub is that it was apparently ran into a ditch at speed during a police chase. Denver does not charge victims for towing and impound fees. The #1 subreddit for Brits and non-Brits to ask questions about life and culture in the United Kingdom. It has virtually zero insurance value at this point; if it were written off I doubt I’d get more than a few thousand bucks for it. Car stolen behind our restaurant. The car has been previously stolen, but the insurance recovered it and the current owner didn't about it until they've bought it 3 years ago. I have a Kia Sportage, and it was stolen. Another time a car stolen from the front of restaurant. My insurance company won’t help me and repairs is costly. 2nd car to get stolen. It was a leased vehicle and our insurance considered it a total loss and sent a buyout offer to the leasor. With the amount of rain we got, the carpets and seats were absolutely destroyed, and our insurer ended up totalling it out as a result. The 3 most common for passenger auto are Michell, Audatex, and CCC. We…. Anyone able to explain what may have happened here? My niece had her car stolen a few months ago. So I’m leaving the Lidl car park with my shopping in my new car and lo and behold I Hoping to get some advice on my situation. I read through my lease terms and it basically says that Kia leasing will take the full settlement amount, so even though the insurance would pay $5k more than what Kia would expect, I wouldn’t receive the had my car stolen and found two days later, wrecked in a different city (same county. Tell me why the adjuster wants me to get the car towed to a body shop and he will reimburse me -the fees are up to approx 750. It was robbed in Blackpool and a few days later I was contacted by the Preston police saying my driving licence had been found on the bar in a pub, I asked the copper of there was any sign of my car which the licence had been inside of, he didn't even know it was reported stolen, so he contacted the pub and sure enough the car was in the car park. Even if your Kia just goes for a joy ride, it will be beaten, and if they smoke meth inside of it, the car is written off. The car has damage to the front bumper, hood, random body scrapes, and the cars security system has been messed with, but ultimately the inside is covered in crack pipes If you had house keys on the same keyring as the lost car keys you may want to switch your house locks, though that is unlikely to be covered under your car insurance. It was recovered on 3/10 by police a few miles from my home. As the car hadn't been found her insurance paid her out for the value of the car. 21) and recovered Saturday (7. Ownership isn't finalized yet but there is a good chance that unless it is a chop shop car the police will hand the car back back to the rental car agency (AVIS) that originally owned the car. All the damages are the window, ignition, etc. Total damage was 4700$. Returned 3 days later cleaned than when it was taken. And they did. Typically, an insurer will not go through the trouble of transferring the car title over, but you do need to inform the insurance company if your car is recovered. At that time they made you pay to get your stolen car out, but I've heard that has since changed. Since you still have a car loan, they typically require car insurance on the car. Our 11 year old x3 was stolen in Toronto and then recovered in Windsor. 2nd car stolen this year. Hello, My car was stolen and after 6-7 days it was recovered by Police. Just today we got a call that its towed in an impound lot 2 hours drive away. It was pretty thrashed inside - there is white residue everywhere like a fire extinguisher was deployed. When it was recovered, I was able to get it back to my house from the impound lot. The guy tried to get me to stab a screwdriver to put it into gear, and also had to call two other guys to help him put my car on the bed. that it's not tied back to you. One of my work vehicles was stolen, and recovered, and impounded. The police will most likely recover the vehicle. I have called and done all of the proper submission of paperwork. I got it pretty cheap and got stolen. What happens if my car is recovered during the claims process? If your stolen car is recovered with no apparent damage, contact your insurance company immediately. Then he got back in his truck and they both sped off again. I paid 500$ deductible. 4M subscribers in the AskUK community. Absolutely no damage, they must have stolen the key as the car/locks/windows are all completely in tact. Not sure what kind of claims you work that had you missing this kind of stuff for 12 years, but we get these like every other day in total loss lmao - I’ve come to expect drug activity when a stolen vehicle is recovered. I tried to push back but my adjuster essentially ghosted me. I immediately called the police and reported it stolen. Funny enough, later that morning I got a call from the police telling me they found the car abandoned in an alley downtown. My step mother had similar situations. Day 19, the car is recovered and taken to the police station. If you car was stolen then there should be a police report for the theft that enters your car into the stolen car database (crucial to have that report for any theft claim). Call up your insurance co. Then I was told to contact the seller (previous insurance company) to get a certification if it was recovered before or after claim payout and how much damage it has because as per law, a salvaged title is issued if the damage is 60% or more of the car. However, it would be $25k to buy out my leased car. This year. Hey y’all, my car was stolen 1/2/22 and recovered today. Car stolen from driveway. The car is also a Cat N (which might be because of the stolen status(?)) Apart from that the car has some small scratches and tiny dents on the front side, but other than that looks good. Get rental car. As for the mechanic, on this part, they need to file for losses with their insurance. I have not seen pictures of the car or the car itself since before it was stolen. Recovery of stolen cars is pretty high but it could take a while. The car used goes for around 18-21k. The 2nd car was found 3 weeks ago in a car park. Are the insurance supposed… However, the insurance company is refusing to pay for these mechanical damages because they don't know how the vehicle was stolen. It has been at the Police Impound lot since 1/4/24. Most stolen cars are driven for a bit and then abandoned. Anyway insurance doesn't get you new car. You would think that they would care about taking from a family with small kids… but no. Jan 3, 2025 · use the following search parameters to narrow your results: subreddit:subreddit find submissions in "subreddit" author:username find submissions by "username" site:example. It was stolen and recovered two weeks later. My car (Mazda 3) got stolen overnight. Stolen/ recovered. e. It tested positive for meth. You can buy their insurance, many credit card’s come with rental car insurance coverage (which is active if you use it to pay- you should check), otherwise your car insurance, if you have it, likely provides coverage. Car gets recovered. 1. As of right now, my insurance estimate is about $2k and all cosmetic damage. You pay a crap ton more money to the insurance company then when you get your car stolen, totaled, etc, they make excuses to not pay out, or pay as little as possible. It will be 250 pound to release. So, my car was stolen 6 weeks ago. Since the cops think that you still own the car, the last registration is tied to you. and ask if it will come back with a clean title. The detective doubts they would’ve cooked in the car, and recommended a good detailing to get their smell out. However, they are usually recovered as bare chassis or absolutely destroyed. The car wasn’t in an accident and encountered minimal damage. The officer called me and notified me of what happened with my vehicle. No damage whatsoever. It was towed to the impound lot where I had to go pick it up. He said it's repairable. State Farm had it towed to the auto repair shop on 3/13. Never had a car stolen before, so I need advice here. Thief lives in the car pillaging about. with no car they just just rate everything as average, pull comparables cars like the one stolen as comparable vehicles and boom you got your value. Was the car found unharmed/driveable, trashed or never to be seen again? If the car turned up, where was it found. Before the car was recovered, USAA's only option was a cash payment, but now they can repair and return the car because that's cheaper than writing him a check for the full actual cash value of the car. Also, how does an electronic start car get stolen without the keys being taken?! Thanks. This is the scenario that could make a salvage car look really good but be a really bad idea. That’s how rental cars work. I'll try to make it short and sweet. I have a 2020 Hyundai Elantra key start that was stolen 11 days ago from my home in the early morning. totally my dumbass fault for it getting stole in the first place. Then next day different police department took the vehicle back because during the time vehicle was stolen it was used for some crime and now that car is an evidence If not, and the insurance paid out, then in most cases that car belonged to the insurance company. 21). You’re on the hook. You have to go out to dealership to buy new car whatever if your car still at bodyshop waiting or agreed totaled it. to be repaired, it is possible the title will have a brand. Take this as a learning tool and buy a cheap car and get liability insurance only and self insure. Voila! Car recovered. Long story short with more details in my profile I purchased (in good faith) a Vin Swap 2021 four-cylinder Camaro with 40k mileage. I am in the state of California. keep/sell/trade-in? my 2015 hyundai sonata was stolen/ recovered without comphrehensive insurance. But if the car were damaged in the theft and recovered, but damages reported to the insurance co. " Insurance carriers have vendors that get police reports for them. My parents had their two-month-old Benz stolen (my mom dropped her keys on the way into a restaurant, total crime of opportunity) and the cops recovered the car about a week later. A few weeks ago my car was stolen from my apartment complex parking lot. Cancel the insurance. So it will just depend on how long it takes for someone to report an abandoned car. 9k worth of damage!). They waive them for victims. My car was stolen Friday (7. Even when the quote is done, i dont have insurance information from the suspect to file a claim. My street-parked car was destroyed by a stolen car while being chased by a guy in a truck. So My car just got stolen about 2 hours ago. Right after the collision, the guy in the truck got out of his vehicle and tried to attack the dude in the stolen car by throwing debris from my vehicle at him. We have had a rental for almost 2 weeks so that is probably $800 now plus the tow and impound fees in Windsor. It’s been a rough day. These parts now have been on backorder for over a month and I am starting to get bothered as I am paying a car payment and comprehensive insurance for a car I cannot drive. The car had a lot of damage and my claims adjuster just called. Wednesday 9 Mar, receive email car is being written off as total loss (very old car, rough shape, maybe $1,500) Friday 11 Mar, police find car and call me to come pick up. No they won't totaled the vehicle but they extended car rental. I am aware that going through insurance is no longer an option and that we will have to pay the costs to repair it - I am just curious about the impact this may have on resale (once repaired) as I have seen mixed messages about the car being marked as 'stolen' on the internet. The handful of times the owner has called, it's varied from "We haven't recovered it yet, we'll call you if we do" (Not the question, everyone knows that, the insurance company just needs documentation), to "Do you know how many stolen car reports we get a day, you'll get it when it's done. should i sell to carvana and whats their process with buying these kind of cars My CBR600RR was stolenMy motorycle was eventually recovered but not without severe damageand am waiting for a quote for the repairs. It’s a 2018 Honda Civic salvage but in very good conditions and very low mileage. They smoke meth. not stolen, not written off, etc. Take it to another mechanic for assessment after or inspect yourself , insurance uses the cheapest dodgiest mechanics to service vehicles, especially check if it is blowing the smallest ammount of smoke, check for bubbles in the radiator, oil etc, thieves will take the car for a joy ride and put a brick on the accelerator to blow the engine r/CarTalkUK is the definitive subreddit for British petrolheads and inquisitive car drivers alike! Stolen cars are often recovered. My daughter's stolen car was recovered prior to settlement of the insurance claim. It was trashed. Help My car was stolen. 2 cars stolen in January. My Kia Forte was stolen last week and found the next day. This will allow your insurance company to assess the vehicle for damage so they can pay out the repair costs for your vehicle if any are needed. Apparently it was recovered on October 8 in Nevada. The insurance company told me the day it was stolen in 30 days if it is not recovered they will call it a total loss and pay me out. My wife's car was stolen off our driveway a little over two weeks ago. The car was found with a busted window, busted ignition (I’m a victim of the “Kia boys” lol), and apparently the thieves tried to steal my tire and failed and ended up messing something up with it. Hi all. If they figured out your car insurance was cancelled, they may have placed insurance on your car (that they will charge you for). We may pay for loss in money or repair or replace the damaged or stolen property. It is at a police impound lot. I got insurance against theft. I was not informed of this until less than a week ago, when I received the impound lot’s demand for payment, which is roughly $1600 and based on the line item breakdown that’s a very padded figure. Nov 20, 2024 · Xuyun Zeng is a content strategist with a wide-ranging content background including tech, journalism, cars and health care. Probably by the basically they total the car without it there. They paid all impound and tow fees. it’s mechanical stuff. I'd be paranoid enough to go get the user manual and re-code the door openers even if they are not missing. To keep this brief, my car was stolen 7/8/23, I started a claim with insurance. The person who presumably stole it used it to shoot someone else. Less than two weeks after getting the car back it was stolen again, recovered again with broken back window and steering column. How much might my rates increase? I have auto and home insurance through travelers insurance. Hey guys, I have a car (2018) worth about 20k at this point and it was stolen for a week and recovered. Sunday 6 Mar, wake up to find car stolen. If the car is stolen, it still belongs to the original owner, or the insurance company that paid out on the theft. Insurance company maybe has it cleaned and sends it to auction. Perhaps there are other websites or companies out there? my 2015 hyundai sonata was stolen/ recovered without comphrehensive insurance. 3k miles. They took it to their impound lot, processed it, and released it to my insurance (State Farm) on 3/12. Mar 26, 2023 · What Happens After Your Vehicle Is Recovered? Once a stolen vehicle is recovered, it must go through a legal process to determine its ownership and if it will be returned to you or sold at auction. I read through my lease terms and it basically says that Kia leasing will take the full settlement amount, so even though the insurance would pay $5k more than what Kia would expect, I wouldn’t receive the If you still owed $18k, I am sure either you had full insurance ont he vehicle, or your lender had a 'forced-placed' insurance policy on the vehicle that they are billing you for. Also look around if you have a missing garage door opener. Usually, the whole process looks something like this: Identification and documentation. Stolen. Is it possible to remove the repairable write off status with some sort of inspection since there was no damage or is it permanent? I was looking to get a salvage car as a little project and while looking I saw quite a few stolen/recovered cars and the price made absolutely no sense. Yeah I’ve done a Experian paid, full check on the car and it’s showing up as all clear, i. Monday 7 Mar, report theft to USAA. On Copart it says CERT OF TITLE- I know it means clean title but when i checked the car from 3rd party sites it says it has theft recovered title (yeah it should be) when i buy the car I'll get the title on my name. Aviva is our insurance agency and they have not been doing much. Dunno where you are, but in the States I'm going to try and condense this as best I can: My car (2017 Ford Explorer Platinum) was stolen for a total of 2 weeks, leaving my carport at a low ~70k miles and came back with 71. I don't know the condition of the vehicle, but frame or suspension seems like something to look for. They just said the repair shop would have it cleaned. Car has suspension damage and "hidden damage" , but they can't inspect it until it's in a shop. The cop said it looked in decent shape, tires & rims were gone, damage to the front & back bumpers and lights, & the hood was up so I’m assuming more parts missing out of the front but won’t know for sure until Monday. Car was stolen and recovered, I suspect there may be drugs in the car but insurance is denying me coverage for testing and cleaning, and I can’t find a body-shop to accept it without this being done first. My insurance adjuster came by my place while I wasn't there and took photos of the exterior of the car, and wasn't able to enter the car. After recovery, the car was released to my insurance provider and they towed the car to auto repair shop. I reported it immediately to the police and to my insurance company who told me if the vehicle is not recovered in 15 days they will pay me out. My options are to try to return the new car (unlikely) or sell the recovered car to get a similar payment as what I would have gotten with insurance. Stupid me had left keys on my patio, thief finds keys and steals car. We are driving down to get the car tomorrow and left voicemail to inform our insurance adjuster. This is why I absolutely hate comprehensive/collision based car insurance. It could have been driven anywhere in the bay. Just wanting to know what the outcomes were for people who had their cars stolen. What should I do now? I actually prefer to settle by take the cash instead of get the car back. The say the money will sent to me in few days. You would typically not get cash from the mandatory insurance placed by the car loan company but it would pay off the car loan. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. If my car was stolen and recovered I’d just take the car back because the payout wouldn’t enable me to buy anything I’d want to drive. Took it to the mechanic and detail shop to get it cleaned out. Insurance carriers have vendors that get police reports for them. com Jun 15, 2023 · If your stolen vehicle is recovered by police after the insurance claim has already been processed, your insurance company now owns the vehicle. Rates would be like $20/day more if everything was covered by default. Contact the police and action fraid, explain the situation. My 1 year old car that I purchased new was stolen from my driveway, but fortunately it was recovered. My wife's 2013 Hyundai was stolen a few weeks ago, and sat in an impound lot for over a week with broken windows. They didn’t offer a courtesy car and I needed a new one so bought a replacement car 11/8/23 (on the advise of police who said that 99% of thefts in this area are not recovered). I would follow up with the police and ask if it has been towed to the impound lot. Hi there! I am wondering which could be the best way of buying cars that were stolen and then recovered by the insurance or even small damaged cars. However the police call me that the found my car. Very nice car. Insurance called and told me they would cover everything, but I would need to wait 3 weeks before I would receive a check in case the car was recovered. That’s all they’ve told me. Worst of all I had 2 child seats in the back & they took it anyway. They sent a check to my lien holder and I’m still waiting for that to go through with them and then the remaining money goes to me. I got my car stolen, great way to start the year. Car stolen couple of days ago l. 23. This occurred last spring. The seller will be long gone. Audi Q5. Found 5 days later near tracks off tryon. In a lot of places you can explicitly unregister yourself from the car just like you would register the car. I guess my main question is should I take the payout. We may, at our expense, return any stolen property to: You; or Insurance companies will handle a stolen vehicle as a total loss if one of two things occur; the stolen vehicle doesn’t get recovered in a set time frame and that amount of time depends on the company or the vehicle is recovered with damages that would require more to repair it than it’s worth or over the state’s statutory total loss threshold. I’m in America. Once a car is stolen, with rare exception, it is a total loss. My car was stolen and found recently. Insurance deemed it a total loss and assessed the market value of the car to be $30k. Because those two guys did not come with us to get my car off, my car was damaged in the process. I could technically pay this off at any time without penalty and I’m on year 4/5 of the loan. Didn’t even try to take any parts. however my fear is not diminished now thanks to the kia boyz 🙄 while my car will be getting fixed, i would like to be able to track it incase my baby gets kidnapped The PD had to deploy spikes and they said the suspects busted out the back window. My stolen car was recovered. It smelled like people had been living in it, there were cigarette burns all over, and the cops were pretty sure people were smoking crack in it from My car was stolen last year and then recovered with no damage. And by the way, the car did not have any after-market remote or key system. Car was on their lot and stolen, that's pretty cut and dry right there. I looked at the LIoyds website, but it doesn't say much about it. I have comprehensive coverage with a 🦎 Aside from broken driver side window and ripped open steering column, they also crashed into another car damaging the front right side and passenger side mirror. I was paid out by insurance and just bought the car back via auction. Fast forward a few months and the car has been recovered. My car was driving perfectly fine before it was stolen. wvpc lzfzm lrdv oexnpmg fxoryw vwvwo vffw jeayd stcjnbh wbhr