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Your car was stolen? We'll tell you what to do. Despite modern cars is Car theft No rarity. More than 14.000 car thefts were reported in Germany in 2019 alone. When that happens the question arises: Will the insurance help? When and what does she pay? We clarify and give you helpful tips on what you can do in such a case. Theft of cars is also common in Germany No rarity. More than 3.000 vehicles are stolen in the capital Berlin every year. Everything you think about Car theft need to know, you can find out here.
Car theft - the overview
Who is only interested in very specific areas around the topic "Car theft: you have to be aware of that and know that now!" iIf you are interested, you can use the following jump labels to navigate directly to the desired topic with just one click. And just as quickly you can return to this overview from the selected menu item with just one click. However, we recommend our readers to always read through the entire article. Some menu items are only really comprehensible and understandable once the complete information article has been read.
- The most important steps if your car is stolen!
- Step 1: the theft notification
- Step 2: Report to the insurance company
- Step 3: Vehicle Registration Authority
- When does the insurance company pay?
- Car theft: this is how insurance works
- Car theft abroad - a special case
- The cost of retrieval
- The cover letter: coverage for the costs of the return journey
- What are the requirements?
- When the registration certificate was in the car
- When the car is found
- If the car is not found
- Car theft in private sales
- Accident with a stolen car
- What are the costs of the insurance?
- If the stolen car is found damaged:
- How can you prevent the theft?
- How do you protect yourself from thieves?
- Which cars and places are popular?
- Conclusion: cover with comprehensive insurance!
Car theft: what to do?
If your car has been stolen, it is important to do the right thing. You can find out how to do this here.
The most important steps if your car is stolen!
Does your car suddenly stop? not more where you left it, then you should in the first step contact the police. Here it can be determined whether this is actually a theft. Because you have parked incorrectly or your vehicle is bad gesichert, then it may be your car towed away respectively ensured has been. If that is the case, the police can give you information. The most important information on the subject of no parking: Expensive 5 minutes - no parking and fees! "back
Step 1: the theft notification
Became the vehicle Weder Still being towed to ensure you have to get a written one first Theft notification give up. On the one hand you need the vehicle registration (Registration Certificate Part I), on the other hand yours identity card. Then the car is used by the police Manhunt written out. Ideally, you should have the theft report confirmed in writing and also request a protocol. The most important information about vehicle registration: The vehicle registration document - explained quickly and easily! "back
Step 2: Report to the insurance company
In the next step it is important to take out insurance as quickly as possible to inform about the theft. The whole thing should be in writing and within a week happen. Insurance companies require immediate written notification of damage in the event of theft. However, you can already handle the incident advance telephone report."back
Step 3: Vehicle Registration Authority
Next, it's about making your vehicle as possible fast at the vehicle registration authority deregister. For this you need both the registration document, the vehicle registration as well as a copy of the Theft notification."back
Also important: If it is a Leasing model acts, you should Leasing company inform about it or the financing bank. Lay yours Wallets in the car, you should also call the bank and get your Have cards blocked.
When does the insurance company pay?
An Theft insurance is both in the Partially comprehensive as well as the Comprehensive insurance contain. In this case, the insurance company pays the costs incurred. Requirement: It's about one car theft through no fault of one's own. From the Motor vehicle liability insurance however, the cost not carried."back
Car theft: this is how insurance works
The insurance company needs the following documents from you to settle the claim:
- Vehicle registration and registration document
- Existing car keys
- Confirmation from the admissions office
- Criminal complaint confirmation (police)
First of all, the insurance is about the theft informed, it begins with the Review your case. She usually has a month to do this. You should get one by now Car Rental rent will be the cost of it not borne by the insurance.
You must also provide the insurance company with other important information. For example, she can give you a questionnaire about the cause of the theft or ask general questions. It is important that all information truthfully get answered. So check the information advance their correctness. Otherwise you endanger your insurance coverage. When in doubt it may be advisable to seek advice from a lawyer to get advice."back
Car theft abroad - a special case
The Theft abroad, for example during a vacation. Also in this case leads the first way for Police station on site. Here you file a theft report and have a log handed to you. The log is crucial and is required by the German police so that you can report the damage as soon as you get back. It is best to inform the insurance company already advance by phone.
https://www.youtube.com/watch?v=qD6wpXJTKbo
Back in Germany you should get one as soon as possible written theft report give up. A copy of the notification must then be sent to the insurance company as soon as possible. Because the period in which the insurance can examine the damage only begins upon receipt of the documents. Basically, this period is four weeks. However, it is dependent on the insurance company.
Also important: Even if the car was stolen abroad, it has to be logged off will. In addition - you have to drive the car Pick it up yourself at the location, it should be found within four weeks. In this case the cost not reimbursed by insurance."back
The cost of retrieval
If she Return transport costs of the vehicle depends on the insurance. If this is the case, then the travel costs for the on-site collection will be covered by the insurance, provided the vehicle has been more than 50 kilometers found away from residence. The rule is that the insurance company usually covers the cost of a Train ticket in the second grade takes over. The Maximum distance in most cases up to 1.500 km be. The exact details must be obtained from the insurance company, as they vary from provider to provider distinguish can."back
The cover letter: coverage for the costs of the return journey
An Schutzbrief represents an additional safeguard and ergänzt the regular car insurance coverage. If the car was stolen abroad, the costs of the return journey from the holiday destination are included getragen. The whereabouts must be different more than 50 kilometers away from residence. Before the return trip, a Consulting can be obtained by the insurance company. In most cases she wears the Costs, incurred for a rental car. Airplane or the Train are partly covered. It is still important that the return journey in consultation with the insurance company to organize. In this way, there are no costs that are ultimately not borne."back
What are the requirements?
The requirement for payment is always one truthful Statement. You can also not have acted negligently. Otherwise you wear one complicity. That would be the case if the car not completed was. In this case, the insurance will cover the costs not. False statements, however, can lead to your Insurance Cover lose. It is also important that you avoid the damage rinse report. Otherwise, there is a risk of insurance problems."back
When the registration certificate was in the car
Basically, the vehicle registration and the registration document No way be kept in the car. If in doubt, you can do one Copy from the vehicle registration document in the glove box, but the original document should safely stowed away be kept or kept in the wallet. So you have the necessary papers with you in the event of a traffic control.
In the event that the vehicle registration document does lay in the stolen car, it may be that you Insurance issues get. However, it also depends on where the document was located. Do you have the Registration Certificate Part I for example, stored in the glove compartment, the costs are usually also worn thenwhen the car mitsamt Bill was stolen.
On the other hand, does the document address a clearly visible place found, the insurance company can assume the costs verweigern. The reason is gross negligencebecause the thieves knew that the bill was in the car. This means that the vehicle can easily be brought across the border. Therefore, the insurance company can make a payment verweigern."back
When the car is found
Sometimes the stolen car turns up before the deadline back on. In that case, the car must withdrawn and the insurance paid not. It has to be picked up at the Reference. Some insurance companies insure the return transport in case of theft with.
Should the car first to If the deadline is found, it will normally be in the possession of the insurance company to hand over. Because in this case, compensation has already been paid. As a new owner, the insurance can freely dispose of the vehicle. If you want the car back, you have to buy it from the insurance company, similar to buying it from a dealer."back
When the car not Is found
If the car is lost, it is legal in the property the insurance over. In this case refunded the insurance the damage. You usually get the Replacement value of your stolen car. So the sum that would accrue for you to get one equivalent car to buy. If the insurance covers the theft, the sum should be four to six weeks after of the theft report on your account."back
Car theft in private sales
A special case is the car theft when selling privately. Do you offer one to a supposedly interested party test drive on, then it applies careful to be. Because in the event that the vehicle is stolen during the test drive, the insurance pays in most cases not. Also interesting: In this case, legally speaking, it is embezzlement. This usually falls not under the protection of comprehensive insurance."back
Accident with a stolen car
Your car is stolen and the driver kills your vehicle Accident, then you are liable not for this. The discount of your no-claims class is also included not at risk, Because Clause 7 of the Road Traffic Act clearly states that the owner is not responsible for damage as long as the vehicle is against his will or without his knowledge was used."back
What are the costs of the insurance?
In order for the insurance to pay in the event of theft, certain must Requirements be fulfilled. We'll show you which.
- New car: Should your car still less than 12 months will be approved for a long time in the event of theft full price refunded. This applies if you bought your new car from a dealer. Here you should pay attention to the conditions and insurance conditions, because some companies set other periods.
- Used cars: For older vehicles the insurance reimburses the Replacement value. So the sum that is necessary to get one equivalent vehicle to acquire. So this is the sum that the vehicle on the day of the theft was still worth it. To determine this amount, in most cases a Expert consulted."back
If the stolen car is found damaged:
Should be your vehicle within the deadline to be found musst you take it back. Should the car through the theft Schaden have taken, is usually covered by the insurance the repair costs. The cost of the repair should reflect the value of the vehicle exceed, it counts as uneconomical. In this case the Replacement costs refunded. This is the residual value of the damaged vehicle deducted.
As an example: At the time of the theft, the vehicle has a residual value of 20.000 euros. When found, it has a residual value of 5.000 euros due to an accident. In that case, you get the value of the vehicle minus residual value - so 15.000 euros.
Should your vehicle be stolen badly damaged be, but still about one residual value then it makes sense to coordinate with the insurance company. Because the insurance company can do you Residual value buyer establish. The most important information about total write-offs: Economic total loss! What is that, actually? "back
How can you prevent the theft?
Most of the time a car comes with one Original key stolen. First the Autoschlüssel stolen by thieves - for example from your jacket pocket or purposefully in the event of a break-in into a workshop, office or apartment. In the event that the car key is left stuck or remains in the car, thieves can quickly and specifically steal the unsecured vehicle. So that's it prevent!"back
How do you protect yourself from thieves?
In order to protect your car from car theft, you should also then the abschließif you only park for a short time. You should have the key in this case always carry with you. Make sure the doors, windows and the sunroof closed are, but also the filler cap. This applies even if you are only a few meters away from the vehicle.
valuablesthat you leave behind in the car you should out of sight stow away. For example in Glove compartment or im trunk. Nor should neither Original papers or spare keys be left in or under the vehicle.
Also important: Should be your car key disappeared take the vehicle to a safe place or have the vehicle guarded. The Key theft you also report to the local police as soon as possible and inform yours Insurance company about that. The most important information about alarm systems: Also for retrofitting - the alarm system for the vehicle! "back
Which cars and places are popular?
In fact, thieves have their own preferences. Not everyone is like that Regions or Cities equally popular among thieves. The same goes for the different car models. If you want to find out more, then it is worth taking a look at the publication of the German Insurance Association (GDV). Here it is evaluated annually, how many cars were stolen in Germany. These values are also given for the individual cities and federal states as well as car models and makes.
Should you be in a city live in Germany, which is classified as dangerous, you should live with your safety precautions on the Burglar respect, think highly of. The same applies if you drive a car model that is very popular among thieves, such as an SUV from BMW, Audi or Mercedes."back
Conclusion: cover with comprehensive insurance!
Nachdem your car was stolen, yours leads first course so as soon as possible Police. You should also have yours Insurance company as soon as possible about the theft inform. The insurance company then examines the case, which can take up to four weeks. It is important that you answer all of your questions truthfully answer so as not to endanger your insurance cover. Should the car in the prescribed time not found again your comprehensive insurance will take over the Schaden. It is that Comprehensive insurancewho pays and not motor vehicle liability insurance. Usually the Replacement value paid for your car. You can only use the new car trust full price."back
Of course that had not been the case.
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