What is the procedure if your car is stolen from a car repair shop?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 4, 2012

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Insurance Question from Hickory Hill, TN

Asked on 08/04/2012

What is the procedure if your car is stolen from a car repair shop? I bought a car. I took it to a repair shop for some minor repairs because it wouldnt pass inspection and it constantly ran hot. The car was at the shop for about a week and no one called with any info on the car. When i went to the shop, the owner informed me that the car was stolen. The owner called the police and filed a police report. The only problem was that my bill of sale with the vin # was in the car. so the police report could not be finished until the vin # was given. I got the vin # and i got the police report and took it to the shop. and now its been almost a month & no claim filed

Answer given on August 04, 2012

If the car that you bought, and then stolen, was a replacement car or additional car, your insurance would automatically cover the car from the date it was purchased. This coverage applies for a period of 10-14 days giving you time to report to your insurance company of the new car. If you had comprehensive insurance on it, then it would be covered by your insurance. Your company will settle the claim with you and then will go after the repair shop for reimbursement.If you did not have insurance on it, you need to talk to the repair shop and get the name of their insurance company so you can work directly with them. don’t try to work through the shop, as they are not who you need to deal with. If the shop has not reported the claim have them do it while you are there, to make sure it happens. If they are reluctant, call the police and see if they can get the shop to report the claim.

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