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Auto Insurance Claims/what to expect from insurance company when your vehicle is stolen


My truck was stolen the other night and the police still have not located my truck. Now I have lost my ability to get to work & I have also lost  a lot of my tools that were in the truck. Can I expect to be compensated ffor my tools as whell as my truck and how long can that take? Will I be afforded a loaner vehicle to get back & forth to work till this is all figuared out?

All of your questions rely on your policy, but I can tell you what is likely. . .

1.  Your tools are not normally covered by your auto policy (only items that are permanently attached to your truck go with the auto policy), but your homeowner's policy might cover them.  

2.  Your insurance company will not normally pay for a rental vehicle until your vehicle has been missing for 48 hours, then you may have to pay for your own rental and submit the bill for reimbursement, but at least most of the time, rental is covered while the insurance company is figuring out how much they can pay you for your truck.

3.  Normally you will get a settlement within about 10 days of your vehicle being stolen.  

If you want to discuss it further or have more questions, feel free to look me up, I pride myself of being genuinely helpful.  Information is always free at Petty Details, LLC!

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Justin Petty


Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.


Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

NASP (National Association of Subrogation Professionals) (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author ( All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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