If your vehicle has been stolen, contact the local police immediately. What to do if your car is stolen? Let's say you have car insurance. The police arrive to gather the facts (and to make sure that there is no insurance fraud). Your insurance company processes the claim and then pays the actual cash value of your vehicle.
If a stolen car is recovered after the insurance company pays the claim, the company will pick up your car. In other words, if you only have basic liability coverage (the minimum required in your state), car insurance is unlikely to cover the theft of your vehicle. If your stolen vehicle is never recovered and the insurance company doesn't suspect that you've committed fraud, the auto insurance company will reimburse you for the actual cash value of your car. Sometimes the car is still considered a total loss and the insurance company will reimburse you for the actual cash value of your vehicle.