SOS my car was stolen: what to do?

Stealing a car is an experience we could do without. In France, 256 cars are stolen every day. How to respond to this situation? We will explain all the steps you need to take to report your vehicle stolen and receive compensation.

🚗 How do I report a theft of my car?

Step 1. File a complaint with the police station

Did you notice your car was stolen? The first thing to have is to go to the nearest police station and file a complaint. This process will allow you to start searching and, in particular, release you from all duties in the event of an accident caused by a thief.

Please note you only have 24 hours to file a complaint! After you have filed a complaint, if your vehicle is registered, it will be registered as stolen in the Vehicle Registration System (VMS).

Step 2. Report the theft to your insurer

You have 2 business days to report the theft of your vehicle to the auto insurer. You may be asked to provide a copy of your complaint to complete your file. You can report the theft by phone, by certified mail with acknowledgment of receipt, or directly at the agency. After 2 business days, your insurer may refuse to pay you compensation.

Step 3: inform the prefecture

Courage, you will soon be done with the administrative procedures! All you have to do is report the theft of your car to the registration office of the prefecture of the department where your car was registered. You have 24 hours to inform them and file an objection with the registration office. This will help you avoid fraudulent resale of your vehicle.

How can I get compensation for the theft of my car?

?? What happens if my stolen car is found?

Was your stolen car found? If you're lucky, your car won't be damaged. But repairs may be required.

If the stolen car is found before the period specified in the insurance contract:

• you are obliged to return your vehicle as it is, even if it has been damaged by thieves
• but don't worry, your insurance will cover the cost of repairs in the event of vehicle damage
• be careful, you may have to pay a deductible!

If your car is found later than the deadline:

• Option 1: You can keep the indemnity paid and give your car to the insurance company.
• Option 2: You can pick up your car and return compensation minus the amount of repairs in the event of damage to the car.

🔧 What happens if my car is not found?

After 30 days, your insurance must pay you compensation. Then you must return your keys and registration card. The amount of this compensation depends on your insurance contract. However, be careful if the keys remain in the ignition during the theft, insurance companies will not pay compensation.

One final tip: to avoid unpleasant surprises, be vigilant when choosing an auto insurance contract. Finally, know that you always have a mechanic to choose from, not just the one your insurance company advises you! Find the list Vroom certified mechanics near you.