In the event of a car theft, you must take several steps with the police and your car insurance, including filing a complaint and reporting theft.
We tell you more in the event of a stolen car and on the coverage of the car insurer.
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What to do if your car is stolen?
In the event of car theft, you must also file a complaint with the police and then notify your car insurance.
For this, you must file a car theft report.
How to write a theft declaration?
In order to carry out a theft declaration procedure, you must write an admissible letter.
Therefore, your letter or email should contain several elements:
Your full contact details (name, address)
Your auto insurance policy number
The precise circumstances of the incident (date, time, place)
A copy of the theft complaint receipt
Material damage suffered (condition of the vehicle, destruction of vehicle papers and personal items, etc.)
Bodily injury with a medical certificate
Damage caused to a third party, if applicable
Tip: you can make your theft declaration online on the letter-recommadee.com website.
It is a secure site where you can write your letter and send it directly to your insurance company.
Thus, you fill out a pre-filled letter template and add your supporting documents.
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What compensation in case of theft?
Following a car theft or attempted theft, car insurance can cover the damage caused.
For this, you must have taken out a guarantee against theft.
Indeed, only this optional guarantee or included in certain insurance formulas, in particular all-risk insurance or extended third-party insurance called third-party "plus", allows compensation.
In short, the elements covered by this warranty depend on the options you have contracted.
Thus, the guarantee may or may not include (if you only have third-party insurance) the theft or destruction of objects and accessories of the vehicle.
The same applies to the vehicle replacement option during the repair or reimbursement of your damaged vehicle.
