Editor's note: This article first appeared on CarInsurance.com and is reprinted here with their permission. Click here for the original post.

If your car is stolen, you'll likely first call the police to file a report. Your next step should be to call your car insurance company. But don't expect it to immediately start shelling out big bucks to cover your loss.

First, you must have comprehensive insurance to file a claim for a stolen car, and even then you may be investigated as a suspect in the crime before your insurer pays out.

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