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What happens when your car is stolen without insurance?

My car got stolen while I was in class. What happens if your car is stolen and you don’t have insurance?

avatar
Holden Easterbrook · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
If your car is stolen and you don’t have
car insurance
, you’re not only out the value of the vehicle, but you’re still responsible for anything you might owe on it, plus fines, fees, and penalties.
Whether you have insurance or not, the process for
reporting a stolen vehicle
 is the same:
  • Call the police
  • Give a complete description of your vehicle, its last known location,
  • Provide the car's title
  • Contact your loan provider (if applicable)
Not all car insurance covers the cost of auto theft:
Comprehensive coverage
 is the only type of car insurance that will reimburse you for a stolen vehicle. If you only have a state minimum liability-only policy, you'll be out of luck.
You can't insure a stolen car after the fact. Instead, focus on working with law enforcement to recover your vehicle and arranging alternative transportation. If the police are able to locate your car, be sure to get it covered immediately with a
full coverage car insurance policy
 to avoid future losses.
MORE:
The best vehicle anti-theft devices to keep your car safe
Car TheftCar Insurance
View full answer 
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