Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

My car was stolen and taken to Mexico. Can I just get a payout instead of getting the car back?

I don't have my vehicle at the moment. When I called, they told me it was in the prosses of being brought to California. However, I would rather get the money instead of having the car back. This was my only vehicle. I have four kids and live in an area where it gets as hot as 100 to 115, so I need a car as soon as possible. Plus, I don't know what the car was used for, which makes me uncomfortable. Can I just get a payout so I could buy another car?

Aug 8, 2025 Brawley, CA

Answer
Author profile picture

Ross Martin

Insurance Writer

Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.

Ross h…

Credentials
  • 5+ years in the Insurance Industry

Hello, Sorry to hear about your situation. Unfortunately, I don't know if I can give much advice, as this is a claims-related question. Claims have their own rules that must be followed. If you had comprehensive coverage on the vehicle, theft would be covered. An adjuster would have to interpret the damages to see what would be paid to you. I wish I could be more help. Good luck and please ask if any other questions arise.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Pin
Shield checkmark No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

I started a claim but canceled it with no payout. Why is it on my CLUE report?

A canceled claim can still appear on your CLUE reportUnfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if the…
Feb 27, 2026 La Mirada, CA

Am I at fault if I swerve to avoid my neighbor's cat but hit his car?

In this instance, you will likely be held liable for the accident. Although you want to use your best judgment when it comes to avoiding an animal, in most cases, if an accident/collision occurs by you trying to avoid hitting an animal, you are responsible for the damages. The way that most insuran…
Apr 29, 2022 Palm Springs, CA

Does Mercury homeowners insurance cover wildfire damage in California?

Mercury homeowners insurance, like most standard policies in California, does cover wildfire damage. So if your home is damaged or destroyed in a fire, your policy would likely help pay to repair or rebuild the home, replace your belongings, and cover temporary living expenses if you need to stay s…
Mar 26, 2026 Fresno, CA

A vehicle that was being towed was totaled

I'm sorry to hear your car was totaled. This is what I would recommend.File a police report. Although I do not have all the details, it sounds like this was a hit-and-run situation. A police report will be important for step 3.Check your policy to see what coverage your mother has.If you have unins…
Jan 12, 2024 Gardena, CA