If I report a car stolen, how long do the police have to recover it before the insurance wil pay for my loss?
by 
Anonymous
ANSWERS: 5
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I would contact your insurance company, assuming that you have full coverage on the vehicle. They would probably want to do it quickly, since in the meantime they are required to provide you with a car.
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(UK) Forget it being recovered - more than likely it won't and if it is, it will be buggered and you will not want it anyway. What you do need from the Police is a crime number which they will give you when you report it. The insurance company will request the number straight away. Ring the insurance company straight away and get the 'wheels in motion'. If the car is then recovered at a later date (after payment), it will then belong to the insurance company and you won't have to worry about it. Put the claim in now.
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This varies greatly with different insurance companies. once you are paid a value for your vehicle, the car belongs to the insurance company. Many autos reported "stolen" are not stolen. most are a breach of trust or the vehicle was used in a drug transaction.
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In addition to John P's response, laws vary from state to state. Insurance cos are usually permitted from 30-60 days to search for the "stolen" vehicle. Longer depending on the specifics of the case. If ruling out fraud, longer still.
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Read your policy carefully. It probably outlines this exact situation and you can wave it in their face if they violate it.
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