If your car is stolen, your insurance company will firstly check to see if you have comprehensive coverage. If you do, then they will reimburse you for the actual cash value of your vehicle, minus any deductible that you may have. The actual cash value (ACV) is determined by taking into account the age, make, model and overall condition of your car.
If you only have liability coverage, then your insurance company will not pay out anything if your car is stolen. This is because liability coverage only covers damage that you cause to other people or property – it does not cover any damage to your own vehicle.