If you live in Birmingham and are not covered by auto insurance, you may be wondering what happens when your car is stolen without insurance. The policy you buy as soon as you get on the road typically covers you if you are in an accident or get into a hit-and-run accident, but it will not cover your theft of an automobile.
Even if you have auto insurance, sometimes you still lose your car if it is stolen. The law says that if your car is stolen, you are only covered for the time it takes to replace the car or your contents and your belongings are worth. Unless you are planning on buying a new car, you may not have enough money to replace the vehicle within a certain period of time.
When your car is stolen without insurance, the first thing that happens is the police will be called. Then, the police will check to see if your vehicle has been damaged in some way.
The police will also make sure that the car is insured. Your insurance company will try to replace the car and take care of the damage caused to your car. If your car is totaled, the insurance company will pay for any personal property that was in the car and will also pay for any medical expenses that were incurred during the recovery process.
While the police are investigating your car, they will also check your license and vehicle history. They will look for any claims that you have filed against the insurance company and other drivers for accidents and collisions. If you have no traffic violations, then the police will probably not check your history at all.
Once the police have investigated your car, they will let you know whether or not they believe your vehicle is involved in the theft. If it is, they will go back to your insurance company. If they do not think your vehicle is involved, then the police will simply search the area where your car was stolen.
When they start searching for your car, the police search warrant will indicate that they will be looking for your vehicle. You will be asked to come to the police station, so you can pick up your car. At the station, the police will start the recovery process.
You will usually be brought to the scene of the accident in which you were involved in. You will also be asked to come to the police station to be fingerprinted and to sign papers that state that you have taken the steps to obtain auto insurance. After these steps have been taken, you will usually be told to come back to the police station and then your car will be recovered.
If your car is stolen without insurance, then you will not be covered. In fact, your insurance company will have to pay for the repair of your car.
You should learn all you can about what happens when your car is stolen without insurance. Knowing what happens when your car is stolen without insurance will help you protect yourself from this unfortunate event. The first step in protecting yourself from this kind of theft is to become fully insured before you drive off the lot.
As soon as you know you will be driving away in your new car, get auto insurance and put it in the name of the vehicle. You should also get a full set of collision and comprehensive insurance. These two types of insurance will protect you if your car is stolen without insurance.
After you have everything you need to drive legally, and you have purchased all of the auto insurance you need, then you will probably be able to feel more confident driving your new car. You should also carry a document with you that states that you have done everything necessary to protect yourself against auto theft.