Theft Car: What You Need to Know
Car theft is a serious problem that affects millions of drivers every year. According to the FBI, there were 810,400 vehicles stolen in 2020, up 11.8% from 2019, when 724,872 vehicles were stolen. Car theft can cause financial losses, emotional distress, and inconvenience for car owners. It can also increase the risk of accidents, injuries, and crimes involving stolen vehicles.
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In this article, we will explain what a theft car is, how to prevent car theft, how to deal with car theft, and how car insurance covers theft. By reading this article, you will learn how to protect your vehicle from thieves and what to do if you become a victim of car theft.
What is a theft car?
Definition and types of theft cars
A theft car is any vehicle that has been stolen from its owners, no matter what happens to the vehicle once it has been stolen. The vehicle could be involved in an accident, stripped for parts, sold overseas, or found in mint condition, but it will still be considered a theft car.
There are different types of theft cars depending on the method and motive of the thieves. Some common types are:
Relay theft: This is a type of keyless car theft that involves using electronic devices to capture and relay the signal from the key fob to unlock and start the vehicle. This can happen even if the key fob is inside the house or in a pocket.
Vandalism theft: This is a type of car theft that involves damaging or destroying the vehicle for fun or revenge. The thieves may break windows, slash tires, spray paint, or set fire to the vehicle.
Stripped theft: This is a type of car theft that involves stealing parts or accessories from the vehicle. The thieves may target valuable items such as catalytic converters, airbags, wheels, radios, or batteries.
Exported theft: This is a type of car theft that involves shipping or transporting the vehicle to another country or region where it can be sold for a higher price. The thieves may alter or remove the vehicle identification number (VIN) or use fake documents to avoid detection.
Statistics and trends of theft cars
According to the National Insurance Crime Bureau (NICB), over 1 million vehicles were stolen in 2022, a 7 percent increase over 2021 and surpassing 1 million for the first time since 2008. California and Texas had the most reported stolen vehicles, and Illinois had the largest increase, estimated at 35 percent between 2021 and 2022.
The most stolen vehicles nationally in 2021 were the 2004 Chevrolet Pick-Up (full size), the 2006 Ford Pick-Up (full size), and the 2000 Honda Civic. Bakersfield, CA, tops the list for the third year in a row, with the highest automobile theft rate in the U.S., according to the National Insurance Crime Bureau 2021 Hot Spots Report. The theft rate in Bakersfield in 2021 was 1,023.68 vehicles stolen per 100,000 residents, a 13 percent increase over 2020.
The COVID-19 pandemic, corresponding economic downturn, public safety resource limitations and a decrease in programs for at-risk youth are some of the factors that contributed to the increase in vehicle thefts in 2021. The NICB also warns that the theft of catalytic converters, which contain precious metals, has surged in recent years due to the high prices of these metals. According to the NICB, there were 14,433 catalytic converter thefts reported in 2020, compared to 3,389 in 2019 and 1,298 in 2018. How to prevent car theft
Tips and best practices to protect your vehicle
While car theft can happen to anyone, there are some simple steps you can take to reduce the chances of becoming a target. Here are some tips and best practices to protect your vehicle from thieves:
Lock your doors and windows: This may seem obvious, but many people forget to lock their doors and windows when they park their car or leave it running. This makes it easy for thieves to enter and drive away with your vehicle. Always lock your doors and windows, even if you are only leaving your car for a few minutes or in a safe area.
Park in well-lit and secure areas: Avoid parking your car in dark, isolated, or unattended areas where thieves can operate without being seen or interrupted. Park in well-lit and secure areas, such as garages, lots, or streets with surveillance cameras or security guards. If possible, park near other vehicles or in front of buildings where people can see your car.
Do not leave valuables or keys in your car: Thieves may break into your car if they see valuables or keys inside. Do not leave anything that may attract attention or tempt thieves, such as wallets, purses, phones, laptops, GPS devices, or documents. If you have to leave something in your car, hide it in the trunk or glove compartment. Never leave your keys in your car or in a visible place, such as under the mat or on the wheel.
Use a steering wheel lock or a brake pedal lock: These are simple and inexpensive devices that can deter thieves from stealing your car. A steering wheel lock prevents the wheel from turning, while a brake pedal lock prevents the brake from being pressed. These devices make it harder for thieves to drive away with your car, and they also make your car more visible to potential witnesses.
Types of anti-theft systems and devices
In addition to the tips and best practices mentioned above, you can also use anti-theft systems and devices to protect your vehicle from thieves. These are more advanced and expensive options that can prevent, detect, or recover theft cars. Some common types are:
Alarm system: This is a device that emits a loud noise or flashes lights when someone tries to break into or tamper with your car. An alarm system can scare off thieves or alert nearby people of a possible theft. Some alarm systems can also notify you or the police via phone or email if your car is being stolen.
Immobilizer system: This is a device that prevents the engine from starting without the proper key or code. An immobilizer system can prevent thieves from hot-wiring or using a duplicate key to start your car. Some immobilizer systems can also disable the fuel pump, ignition system, or starter motor if an unauthorized attempt is made.
Tracking system: This is a device that uses GPS technology to locate and track your car if it is stolen. A tracking system can help you or the police find and recover your car faster and easier. Some tracking systems can also remotely disable or slow down your car if it is being driven by thieves.
How to deal with car theft
What to do if your car is stolen
If you discover that your car has been stolen, do not panic. Follow these steps to report the theft and increase the chances of recovering your car:
Contact the police: Call 911 or the local police department as soon as possible. Provide them with information such as the make, model, color, license plate number, VIN number, and any distinctive features of your car. Also give them details about when and where you last saw your car and if you have any suspects or witnesses. Ask for a copy of the police report for future reference.
Contact your insurance company: Call your insurance company within 24 hours of the theft. Inform them of the situation and provide them with the police report number and any other relevant information. Ask them about your coverage options and what documents they need to process your claim. Follow their instructions and cooperate with their investigation.
Contact your bank or lender: If your car is financed or leased, contact your bank or lender and inform them of the theft. They may have some requirements or procedures that you need to follow. They may also work with your insurance company to settle the remaining balance of your loan or lease.
Contact other agencies or organizations: Depending on your situation, you may need to contact other agencies or organizations that are related to your car. For example, you may need to contact the DMV to report the theft and cancel your registration and title. You may also need to contact your credit card company, toll agency, parking service, or subscription service to cancel or suspend any charges or fees associated with your car.
What to do if your car is recovered
If your car is recovered after being stolen, you may feel relieved and happy. However, there are still some steps you need to take to ensure that your car is safe and legal to drive. Here are some things you need to do if your car is recovered:
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Inspect your car: Check your car for any damage, missing parts, or personal items. Look for signs of vandalism, tampering, or mechanical problems. Take photos and notes of anything that is wrong or different with your car.
Notify the police and your insurance company: Contact the police and your insurance company as soon as possible. Let them know that your car has been recovered and where it is located. Provide them with the photos and notes of the condition of your car. Ask them what steps you need to take next and if you need to file any additional reports or claims.
Get your car repaired: If your car needs any repairs, take it to a reputable mechanic or body shop. Get an estimate of the cost and time of the repairs. Ask your insurance company if they will cover the repairs or if you need to pay out of pocket. Keep all receipts and invoices for future reference.
Get new keys and documents: If your keys or documents were stolen along with your car, you may need to get new ones. Contact the manufacturer, dealer, or locksmith to get new keys for your car. Contact the DMV, bank, lender, or insurance company to get new documents for your car, such as registration, title, loan, or lease.
How car insurance covers theft
What types of coverage are available for theft cars
Car insurance can help you cover the costs of repairing or replacing your car if it is stolen. However, not all types of coverage are applicable for theft cars. Here are some types of coverage that are available for theft cars:
Comprehensive coverage: This is the type of coverage that covers theft cars. Comprehensive coverage pays for the damage or loss of your car due to events other than collision, such as theft, fire, vandalism, hail, flood, or animal damage. Comprehensive coverage is optional in most states, but it may be required by your bank or lender if you finance or lease your car.
Collision coverage: This is the type of coverage that covers damage to your car due to collision with another vehicle or object. Collision coverage does not cover theft cars unless the thief crashes your car into something. Collision coverage is also optional in most states, but it may be required by your bank or lender if you finance or lease your car.
Liability coverage: This is the type of coverage that covers damage or injury that you cause to others with your car. Liability coverage does not cover theft cars unless the thief causes damage or injury with your car. Liability coverage is mandatory in most states and has minimum limits that vary by state.
How to file a claim and get compensated for theft cars
If you have comprehensive coverage and your car is stolen, you can file a claim with your insurance company and get compensated for the value of your car at the time of the theft. Here are some steps you need to follow to file a claim and get compensated for theft cars:
Gather information: Collect all the information that you have about your car and the theft, such as the police report number, VIN number, photos, receipts, invoices, etc.
Contact your insurance company: Call your insurance company as soon as possible after reporting the theft to the police. Provide them with all the information that they need and ask them about their claim process and requirements.
Complete the claim form: Fill out the claim form that your insurance company provides you and submit it along with any supporting documents that they request. Be honest and accurate in your claim and avoid exaggerating or omitting any details.
Wait for the investigation and settlement: Your insurance company will investigate your claim and determine the value of your car and the amount of compensation that you are entitled to. This may take several days or weeks depending on the complexity of your case. Your insurance company will contact you with their decision and offer you a settlement. You can either accept or negotiate the settlement with your insurance company.
Conclusion
Car theft is a common and costly problem that can affect anyone who owns a car. However, by following the tips and advice in this article, you can prevent car theft, deal with car theft, and get covered by car insurance for theft cars. Remember to always lock your doors and windows, park in well-lit and secure areas, do not leave valuables or keys in your car, use anti-theft systems and devices, report the theft to the police and your insurance company, inspect your car if it is recovered, and file a claim and get compensated for theft cars.
We hope that this article has helped you understand more about theft cars and how to protect yourself from them. If you have any questions or comments, please feel free to contact us. We are always happy to hear from you.
FAQs
What are the most stolen cars in the U.S.?
According to the NICB, the most stolen cars in the U.S. in 2021 were:
RankVehicleThefts
1Chevrolet Pick-Up (Full Size)40,968
2Ford Pick-Up (Full Size)38,198
3Honda Civic33,220
4Honda Accord30,745
5Toyota Camry15,656
6Nissan Altima13,355
7GMC Pick-Up (Full Size)13,096
8Honda CR-V10,094
9Chevrolet Impala9,041
10Dodge Pick-Up (Full Size)8,262
How can I find out if a car is stolen?
If you are buying a used car or suspect that a car is stolen, you can check its history and status by using its VIN number. A VIN number is a 17-digit code that identifies a specific vehicle. You can find the VIN number on the dashboard, driver's door, or engine of the car. You can use online services such as Carfax or AutoCheck to run a VIN check and get a report on the car's history, including any theft records. You can also contact the NICB or your local DMV to verify if a car is stolen.
How long does it take to recover a stolen car?
The time it takes to recover a stolen car depends on many factors, such as the type of car, the location of the theft, the method of the theft, the availability of evidence, and the cooperation of witnesses. According to the NICB, about 59% of stolen vehicles were recovered in 2020. The average recovery time was about 11 days. However, some vehicles may be recovered within hours or days, while others may never be recovered.
What are some signs that a car is stolen?
If you see a car that looks suspicious or out of place, it may be stolen. Some signs that a car is stolen are:
The license plate does not match the make or model of the car.
The license plate is missing, damaged, or altered.
The VIN number is missing, scratched, or tampered with.
The windows are tinted, broken, or covered with stickers or paper.
The doors, locks, or ignition are damaged or modified.
The car is parked in a strange or secluded place.
The car is driven erratically or recklessly.
If you see any of these signs, do not approach the car or the driver. Instead, call the police and report the situation. Provide them with as much information as possible, such as the license plate number, VIN number, make, model, color, and location of the car.
How can I get a theft car title?
A theft car title is a type of title that indicates that a vehicle has been stolen and recovered. A theft car title may affect the value and insurability of the vehicle. If you own a theft car or want to buy one, you may need to get a theft car title from your state's DMV. The process and requirements may vary by state, but generally, you will need to:
Provide proof of ownership, such as the original title, bill of sale, or registration.
Provide proof of recovery, such as the police report, recovery report, or release form.
Provide proof of inspection, such as a safety inspection certificate or a salvage inspection certificate.
Pay the applicable fees and taxes.
Once you submit the required documents and fees, the DMV will issue you a theft car title. You can use this title to register, insure, and sell your vehicle. However, you should be aware that a theft car title may lower the value and demand of your vehicle in the market. You should also disclose the theft history of your vehicle to any potential buyers.
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