What Will Insurance Pay If My Car Is Stolen? 
Car insurance will pay for a stolen car as long as you have comprehensive coverage . Comprehensive coverage covers the vehicle for damages not resulting from a collision accident . For example , fire , theft , glass breakage , a tree falls on the car , ect . If you car is stolen the insurance company will determined the blue book value and pay out the blue book value less your deductible . Kelly Blue Book is a good site to use to determine the value of your car . If your car is still financed and there is a gap in coverage you may end up stilling owing the finance company . Gap insurance is available to cover this need . 