My sister in law is 17 and had her car stolen last night
also can you beleive the police want paying to find it?!?!
If she claims on the insurance(as it was only a cheap little runner) would it be a disadvantage as her premium will go up and she'll loose her no claims wont she?
Any one who's been in a similar situation please help/advise.
Thanks
2007-08-15 05:07:55 · 7 answers · asked by Anonymous in Business & Finance ➔ Insurance
I am as confused as your other answers as to why the police would charge to find the car - perhaps your sister misunderstood and the car has been found and towed and there is a fee to get it out of the lot.
It is important that she notify the police and the insurance company that the car was stolen so she will be not be held liable for any damages that the car thief may inflict with the car.
You can let the insurance company know the car was stolen without filing a claim, but I would recommend that you talk to your agent and make sure that you have the full story and know if there the car was involved in any collisions.
2007-08-15 06:05:57 · answer #1 · answered by cleeroberts@sbcglobal.net 2 · 1⤊ 0⤋
If the car is a cheap little runner as you say, why have Comprehensive coverage (the coverage that covers theft) on it in the first place? A 17 year old's insurance policy is more easily affected by negative things than a 27 or 37 year old person so claiming this may have a decent sized effect on the policy. Although, I would recommend having a conversation with your agent because they would know better than anyone on here would.
You have to pay the police to find your car? That's about as low as I have ever heard. Hopefully these guys will find your car on accident while looking for the cars of others that have paid.
Good luck!
2007-08-15 05:30:22 · answer #2 · answered by Jason S 4 · 0⤊ 0⤋
HER AGENT will be the best person to ask.
Police in the US do NOT ask you to "pay them to find the car". It doesn't work that way.
Does she have theft coverage? If she doesn't have any theft coverage, it's a moot point. If it's a cheap little runner, she likely doesn't have theft coverage. If she does, what's the book value of the car? If it's over her deductible by more than $500, heck yes, I'd file the claim. She can look up the book value here: www.kbb.com go for private party sale.
2007-08-15 07:48:41 · answer #3 · answered by Anonymous 7 · 0⤊ 0⤋
If your sister had a cheap car - she may have only had liability coverage on it (just want the state requires).
In order for your sister to be paid for her stolen vehicle, she has to have Comprehensive coverage. Have her call her agent and make sure she has Comp coverage. If she does, she can ask her agent about what filing a claim would do to her rates.
If she does have to coverage - file the claim - that's what she has been paying premium for.
2007-08-15 11:03:27 · answer #4 · answered by Boots 7 · 0⤊ 0⤋
Yes, her premium is likely to go up if she makes a claim against the insurance policy. If the car was an old junker, it's probably not worth it.
I'm disturbed that the police want money to find the vehicle. How is that money supposed to be used? To whom would it be paid?
2007-08-15 05:20:12 · answer #5 · answered by Anonymous · 0⤊ 0⤋
If this is true about the police want paying for finding her car,then you want to write to your local paper and tell them about it, it is part of there job, and to be honest I don't think that they can ask you to pay, after all there job is to help the public.
2007-08-15 05:27:35 · answer #6 · answered by Baz 5 · 0⤊ 0⤋
I'm curious...is there a REASON why she doesn't want to report a car theft?
Sounds fishy to me.
2007-08-15 16:13:26 · answer #7 · answered by Expert8675309 7 · 0⤊ 1⤋