What is the first step an insured should take after their car has been stolen under the Personal Auto Policy?

The correct initial step for an insured after their car has been stolen is to contact the police. This action is critical for several reasons. First, a police report is essential for both the legal process and for dealing with the insurance claim. The law enforcement agency will document the theft, which can increase the chances of recovering the vehicle and provide important evidence needed by the insurance company. Furthermore, many insurance policies require a police report when filing a claim for theft; without it, the claim could be denied or delayed.

While notifying the insurance company is also crucial and should happen soon after contacting the police, the immediate step is to ensure a formal report of the crime is filed. Listing personal belongings in the car or filing a report with the DMV can be relevant later in the process but are not the first actions that should be taken following the theft.