how long does it take for a stolen car claim to be procesed

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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: Dec 26, 2018

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Insurance Question from Hollywood, FL

Asked on 12/26/2018

how long does it take for a stolen car claim to be procesed been waiting for about 5weeks and havent talked with the adjuster since day one. should i wait or seek attoerny?

Answer given on December 31, 2018

If your car is stolen, the insurance company usually waits for 30 days before proceeding with the processing of the claim, in case the vehicle is recovered.  The adjuster should have advised you of this “waiting period” when they originally spoke with you when you filed the claim.

If it has been 5 weeks, you should contact the adjuster again and ask that they finalize the processing of the claim on your car. If you cannot reach the adjuster, ask to speak to a supervisor to get the claim moving forward.

The insurance company will determine the actual cash value of the car and then make an offer, less your comprehensive deductible.  The insurance company will want the title to the car to complete the claim.  If you owe money on the car, the lender will be paid the value of the car.  If you receive more than the loan on the car, you will get the difference.

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