What to do if the car was stolen from the parking lot and with documents? Where to go

Unfortunately, car thefts happen quite often, and only a small percentage of such incidents are disclosed by the police. The only mechanism that will allow you to receive compensation for your losses is the presence of a CASCO insurance policy, it is through it that you can receive payments.

If you find yourself in a situation where your car is stolen, the first step is to call the police to the scene. Then you need to call the Call Center of your insurance company. If you have not insured the car under "CASCO", then all hope should be placed only on the actions of the police.

Insurance companies are often faced with the facts of fraud, so each of them sets the deadlines during which you need to notify the insurance agent. This is done so that the company can quickly respond to your application.

Naturally, you need to try to collect as much evidence as possible - interview possible witnesses, interview neighbors in the parking lot. If parking is paid, then it makes sense to claim damages from those responsible for the safety of the car.

When the task force arrives at the scene, you need to read the text of the protocol very carefully. It is not uncommon for law enforcement officers and insurers to collude to profit from your misfortune. If you do not understand something in the protocol, you need to testify in it, for example - illegible handwriting, or poor lighting.

The only guarantee that you will receive a refund of the current market value of your car from the insurance company is the initiation of a criminal case. As a rule, if there is no hope of finding a car, the criminal case is closed in two or three months. Receipt of payment occurs within six months, and the case is closed by the statute of limitations after three years.

An important requirement of the insurance company is to confirm your non-involvement in this case. You need to provide the following documents:

• passport, TIN;
• VU;
• application for payment;
• document on the ownership of the vehicle.

Insurance companies in every possible way insure themselves against fraud. Therefore, you will have to sign an agreement on the transfer of rights to the car to the company, if it is found after all payments have been made.

If you are lucky and your car is found earlier, but with damage, then you need to call an insurance agent to assess the condition of the car and the amount that the repair will cost.

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