What to do if my car is stolen? insurance Claims property

Car Insurance Claims for Stolen Cars

By Art. 166 of the Criminal Code, which causes a lot of controversy, but, in fact, illegal occupancy of a car or other vehicle without theft is not considered theft. Use of this article not only allows hijackers to avoid serious punishment, but also facilitates the work of the investigating authorities. Quite often the collection of evidence of intent for theft is very time-consuming, and because the investigation is easier to qualify for this event here.

Secret theft of another's property for profit, but in this case - the theft of a vehicle is regulated by Art. 158 of the Criminal Code (theft) punishable by fine and imprisonment, depending on the circumstances of the offense and the amount of damages.

One way or another, but if the carjacking took place, it is necessary to take the following steps:

1. Call the police to number 02, or the duty of the police department in the district. Duty must provide the following information: the time of theft, at least approximate, the brand, number, color and signs of a car left in the interior of things, if any. 
2. Before the arrival of the crew of police officers as possible best to interview those who were able to witness the event: pedestrians, drivers and passengers of other vehicles, find their contact information. 
3. Law enforcement officials assist in the investigation and examination of the scene. But there is no small point - should not be abandoned because of an official statement "minor damage". Otherwise, the insurance company will have a good reason not to recognize the event insurance and refuse to pay compensation.
4. At the same time should inform the insurance company, indicating the policy number, name of insured, contact phone, location.
5. Get the police a written confirmation (voucher - notification).
6. During the period specified in the contract (usually 2-5 working days after the insured event) must submit a written application to the insurance company to obtain a request form to the police and help.

To do this, put together a package of original documents:

1. identity documents;
2. documents on payment of insurance premiums;
3. insurance policy (contract), as well as additional agreements if they were made;
4. documents confirming the ownership and disposition of the vehicle: vehicle registration certificate, Title, driver's license, if necessary - power of attorney; pass technical inspection.
5. sets of keys to the car. If you install anti-theft devices - documents on them, sets of keys and remote controls.
6. Documents obtained by the competent authorities, upon the incident.