What Does The Insurance Company Do When Your Car Is Stolen? 
If you car is stolen and not recovered then the insurance company , providing you have comprehensive coverage , will determine the actual cash value of your vehicle and then write you a check for the stolen vehicle . You will have to relinquish the title over to the insurance company . If you had a loan on the vehicle the loan will be paid off first and you will receive what ever is left . If you do not have comprehensive coverage then you have no coverage for the loss . If you car is recovered then it will be determined if the car is repairable or a total loss depending on the condition the car is found in . Most insurance companies will wait 30 days to see if the car is recovered or not then just call it a loss at that point if the car is not recovered . 