Insurance companies have batteries of claims adjusters and lawyers whose job is to try to avoid paying, to hold down the amount they pay, and to save the insurance company money.
Upon filing a claim with the insurance company, a claims handler will begin looking over your claim. Under a comprehensive auto insurance policy, the theft of your vehicle should be covered. If the vehicle is found and damaged, the price of repairs will be covered under the policy. If the vehicle is a “total loss” meaning it was found beyond repair or never recovered at all, the insurance company owes you the Actual Cash Value of the vehicle, which is the purchase price of the vehicle minus any depreciation and your deductible.