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What happens if a stolen vehicle is recovered before the insurance payout?

My stolen car was recovered by police the day after I reported it stolen to the police and the insurance company. The car is found without keys and I do not have a spare key. Will my insurance still pay me?

Dec 14, 2018 Cleveland, OH

Answer
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Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

You need to report to the insurance company, that the car was recovered right away. The insurance should cover you for any damage that was caused, like having the keys stolen. Either way, you need to notify your insurance company right away. Not reporting that the car was recovered, and accepting the insurance payment is insurance fraud. Good luck and if you have any questions, don't hesitate to ask.
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