{"content_id":"bzbopfpycy","slug":"car-theft-insurance-claim-korea","locale":"en","schema_type":"HowTo","category":"how_to","category_name":"How-to","title":"Insurance Claims and Vehicle Deregistration Procedures in the Event of a Car Theft","summary":"Car theft can be covered by insurance if you have collision coverage, but it is important to report the theft to the police, wait at least 30 days, be aware of any exclusions in the policy terms, and obtain the vehicle deregistration documents. If the stolen vehicle is recovered, you should also confirm the compensation for damage and the procedure for reinstating the registration within three months.","key_points":["The theft of an entire vehicle may be covered by insurance depending on whether you have purchased collision coverage and the exclusions specified in the policy terms.","You can file a claim for theft of the insured vehicle only after 30 days have passed since you reported the theft to the police.","Personal belongings and items in the vehicle, such as cash, jewelry, and electronic devices, are generally not covered under the vehicle damage coverage.","To deregister a stolen vehicle, documents issued by the police—such as a theft report confirmation—are essential proof.","If you recover a vehicle that was deregistered due to theft, you must apply for re-registration within three months of the date it was recovered."],"content_markdown":"A vehicle theft is not simply a case of loss; it is an incident that involves filing a police report, reporting the incident to your insurance company, and processing the vehicle registration. The key is to **report the theft to the police first**, **check whether you have **Collision Coverage****, and then handle the **30-day deadline after filing the theft report** and the **de-registration and re-registration procedures** in that order.\n\n## Conclusion at a Glance\n\n| Question | Key Answer |\n|---|---|\n| Is car theft covered by insurance? | Generally, if you have **collision coverage** and there are no exclusions under the policy terms, the theft of the entire vehicle may be covered by insurance. |\n| When can I file an insurance claim? | According to the Standard Auto Insurance Policy, you can file a claim for the theft of an insured vehicle **only after 30 days have passed since reporting the theft to the police**. |\n| What if the vehicle is recovered within 30 days? | A total loss claim for theft is usually not paid. However, if the recovered vehicle is damaged, you may be eligible for compensation for repair costs under the “Collision Coverage.” |\n| Are valuables inside the car covered? | Since “Damage to Own Vehicle” coverage primarily addresses direct damage to the vehicle itself, personal belongings such as cash, precious metals, laptops, and golf clubs are not covered unless there is separate coverage. |\n| Is it mandatory to deregister the vehicle? | Under the Motor Vehicle Management Act, a stolen vehicle qualifies as grounds for applying for deregistration. If the vehicle remains unrecovered for an extended period or if it is necessary for processing a total loss claim, it is important in practice to proceed with the registration authority’s procedures to obtain a Certificate of Deregistration. |\n\n## Definitions of Key Terms\n\n| Term | Meaning |\n|---|---|\n| Theft Report Confirmation | A document issued by a police station confirming that a report of vehicle theft has been filed. It serves as key evidence for insurance claims and deregistration due to theft. |\n| Collision Coverage | A type of auto insurance coverage that compensates for damage directly sustained by the insured vehicle, up to the limit specified in the insurance policy. It is commonly referred to as “collision coverage.” |\n| Total Loss | Refers to a total loss of the vehicle where settlement based on the vehicle’s market value is necessary rather than repair. If a stolen vehicle cannot be recovered, the insurance claim may be processed similarly to a total loss case. |\n| Deregistration | An administrative procedure that terminates the vehicle’s registration status in the vehicle registration records. For theft-related deregistration, proof of the theft—such as a Theft Report Confirmation Letter—is required. |\n| Reinstatement and New Registration | This is the procedure for re-registering a vehicle that was deregistered due to theft after it is later recovered. You must apply for new registration within three months of the date the stolen vehicle was recovered. |\n\n## Steps to Take Immediately After Discovering a Vehicle Theft\n\n### 1. Report it to the police first\n\nOnce you confirm that your vehicle is missing, reporting it to the police takes priority over contacting your insurance company. In an emergency, call 112, and then file a theft report at the nearest police station, precinct, or substation, or through the Criminal Investigation Division of the jurisdiction’s police department.\n\nWhen filing the report, it is best to have the following information organized as much as possible:\n\n- License plate number, VIN, vehicle model, and color\n- The location and time you last saw the vehicle\n- The time you realized the vehicle was stolen\n- Where the car keys are kept and whether you have a spare key\n- Availability of dashcam footage, CCTV footage, parking lot entry/exit records, and Hi-Pass data\n- A list of items that were inside the vehicle\n\nAfter reporting the theft to the police, obtain and keep a **Theft Report Confirmation** or a related statement of facts. These documents can be used to resolve subsequent disputes regarding insurance claims, vehicle deregistration, and fines, tolls, or parking fees.\n\n### 2. Notify your insurance company without delay\n\nIf you have collision coverage, it is safest to notify your insurance company of the theft immediately. The Commercial Code stipulates that you must notify the insurer without delay upon becoming aware of an insured event, and states that if damages increase due to a delay in notification, the insurer may refuse to compensate for those increased damages.\n\nWhen notifying the insurance company, provide the police report number, whether a theft report confirmation can be issued, whether the vehicle’s location can be tracked, whether the keys were lost, and whether dashcam or CCTV footage is available.\n\n### 3. Prepare for the Possibility That the Vehicle Will Be Found\n\nThe 30 days immediately following the theft report are a period during which the vehicle may be found. During this time, it is more important to confirm whether the vehicle can be recovered, secure evidence, and prevent further damage than to file an insurance claim.\n\nIf the vehicle is recovered, it is advisable to notify the insurance company and the police first before repairing it on your own or cleaning the interior. This is because damage, contamination, or damage to parts that occurred during the theft, as well as the condition of the vehicle during towing and storage, can affect the insurance investigation and police inquiry.\n\n## Criteria for Processing Auto Theft Insurance Claims\n\n### Cases Eligible for Compensation\n\nFor an auto theft claim to be processed under insurance, at least the following requirements must be met:\n\n1. The insurance policy must include **Coverage for Damage to the Insured Vehicle**.\n2. The theft must be confirmed by a police report.\n3. There must be no grounds for exclusion under the policy terms, such as intentional acts, false reports, fraud, or embezzlement by the insured or the policyholder.\n4. The loss must involve the theft of the entire vehicle or damage directly incurred to the vehicle itself.\n5. The necessary documents must be submitted when filing an insurance claim.\n\nThe compensation limit for “Vehicle Damage Coverage” is determined based on the insured amount stated in the insurance policy and the insured value. Even if the insured amount exceeds the insured value, compensation may be limited to the insured value.\n\n### Cases Where Compensation May Be Denied or Limited\n\n| Situation | Handling Criteria |\n|---|---|\n| Loss of cash, precious metals, laptops, etc., inside the vehicle | Since this does not constitute damage to the vehicle itself, it is unlikely to be covered under “Damage to Own Vehicle.” You should check whether there is separate coverage for personal belongings. |\n| Theft of only certain parts, such as the navigation system, wheels, or battery | Under the Standard Terms and Conditions of Auto Insurance, the theft of only certain parts, accessories, or auxiliary mechanical devices of the insured vehicle is defined as a loss not covered under “Damage to Own Vehicle.” |\n| Intentional acts by the policyholder or the insured | Such losses are excluded from coverage under the “Damage to Own Vehicle” provision. |\n| Losses resulting from fraud or embezzlement | Unlike theft, these may be defined in the policy terms as losses not covered. |\n| False theft reports | This can result not only in denial of insurance benefits but also in criminal penalties, administrative fines, and revocation of the vehicle registration. |\n| Leaving the doors unlocked or the keys in the vehicle | While it cannot be assumed that coverage is always denied based on these facts alone, the actual occurrence of theft, as well as gross negligence, intent, or collusion, may be subject to a thorough investigation. |\n\n## 30-Day Rule: When to File a Claim\n\nThe Standard Auto Insurance Policy stipulates that, in the event of theft of the insured vehicle, a claim for collision coverage can be filed **only after 30 days have passed since reporting the theft to the police.** This requirement should be understood to mean “a claim can be filed after 30 days have passed since the report,” not “payment is made immediately upon reporting.”\n\n| Timing | Action |\n|---|---|\n| Day of discovery of theft | Report to the police, file an accident report with the insurance company, obtain a theft report confirmation |\n| Before 30 days have passed since the report | Confirm whether the vehicle has been recovered, cooperate with the insurance company’s investigation, prepare supporting documents |\n| After 30 days have passed since the report | If the vehicle has not been recovered, you can file a claim |\n| Vehicle recovered before 30 days | Total loss insurance benefits are generally not paid; compensation for repair costs will be considered if the vehicle is damaged |\n| Claim filed after 30 days, but vehicle recovered | According to the policy terms, the payment of insurance benefits and the return of the insured vehicle are subject to the insured’s discretion. If the vehicle is found after the insurance proceeds have already been paid, you must confirm the terms regarding ownership and the disposal of the remains with the insurance company. |\n\n## Documents to Prepare When Filing an Insurance Claim\n\nThe required documents may vary depending on the insurance company and policy, but for theft claims, you typically need to prepare the following documents.\n\n| Document | Purpose |\n|---|---|\n| Insurance Claim Form | Basic document for the insurance company to receive the claim and review payment |\n| Theft Report Confirmation or Incident Confirmation | Key document confirming the police report and the fact of theft |\n| Vehicle Registration Certificate or Related Documents | Verification of vehicle ownership and registration information |\n| Certificate of Deregistration | A document that may be required when filing a total loss claim due to theft |\n| ID, copy of bankbook, power of attorney | Verification of identity, payment account, and authorization for a representative to file the claim |\n| Vehicle keys, spare keys, dashcam and CCTV footage | To verify whether the vehicle was actually stolen and the circumstances of the incident |\n| Photos of the recovered vehicle, repair estimates, and repair invoices | To calculate repair costs if the vehicle was recovered but damaged |\n\nOnce you submit the insurance claim documents, the insurance company will determine the amount to be paid and process the claim in accordance with the procedures specified in the policy terms. If further investigation is required, the insurance company may notify you of the reasons for the delay in payment and the details that need to be verified.\n\n## Cancellation of Registration for Stolen Vehicles\n\n### Why Deregistration Is Important\n\nIf a stolen vehicle remains registered without being recovered, it can lead to subsequent issues such as auto taxes, administrative fines, traffic fines, toll charges, and suspicion of illegal operation. Deregistration is a procedure that removes the vehicle’s registration status from the official registry, thereby reducing the administrative burden on the owner.\n\nWhen applying for deregistration due to theft, it is advisable to contact the registration office to confirm the required documents for your specific jurisdiction. Generally, you will need the Application for Vehicle Deregistration, the Vehicle Registration Certificate, identification, and a theft report confirmation. Regarding the license plates, you must follow the registration office’s instructions depending on whether you actually possess them and the circumstances of the theft.\n\n### Application Deadline and Documents\n\nIf you plan to apply for deregistration due to theft, you must generally submit the application within one month of the date the grounds for deregistration occurred. The Vehicle Registration Regulations stipulate that, when applying for deregistration due to theft, you must attach a theft report confirmation issued by the chief of the local police station.\n\n| Item | Details |\n|---|---|\n| Application Agency | Vehicle Registration Authority |\n| Required Documents | Application for Vehicle Deregistration, Vehicle Registration Certificate, ID, Theft Report Confirmation |\n| Additional Verification | Check for liens, seizures, joint ownership, or whether the vehicle is leased, rented, or owned by a corporation |\n| Insurance | A Certificate of Deregistration may be required when filing a total loss insurance claim for a stolen vehicle |\n\n## If a Stolen Vehicle Is Recovered\n\nIf a vehicle that was deregistered due to theft is later recovered, you must apply to the vehicle registration office within three months of the recovery date, meeting the requirements for new registration. The general process is as follows:\n\n1. Obtain a temporary operating permit for new registration from the competent vehicle registration office.\n2. Have the vehicle inspected at a designated vehicle inspection center.\n3. Submit an application for reinstatement and new registration to the registration office.\n\nThe registration license tax for re-registering a deregistered vehicle may be waived, so check with the registration office to confirm whether a reduction applies and what documents are required.\n\n## False theft reports carry the risk of separate criminal charges and penalties\n\nYou must not file a false theft report to avoid vehicle taxes, traffic fines, loan or lease issues, or ownership disputes. A false theft report can lead not only to insurance fraud charges but also to misdemeanor charges, false accusation, obstruction of official duties by fraud, and fines for making a false 112 emergency call.\n\nIn particular, if a theft report confirmation letter is issued based on a false report and you use it to deregister the vehicle or file an insurance claim, you may face the revocation of the deregistration, recovery of insurance proceeds, and criminal liability once the falsehood is later discovered.\n\n## Practical Checklist\n\n- [ ] I have noted down the license plate number, vehicle model, color, and VIN.\n- [ ] I have reported the theft to the police and obtained the case number.\n- [ ] I have confirmed how to obtain a theft report confirmation or a statement of facts.\n- [ ] I notified the insurance company of the theft without delay.\n- [ ] I confirmed whether I have coverage for damage to my own vehicle and any additional riders.\n- [ ] I have preserved the vehicle keys, spare keys, dashcam footage, CCTV footage, and parking lot records.\n- [ ] I have compiled a separate list of items inside the vehicle.\n- [ ] I confirmed when I can file an insurance claim, around 30 days after the incident.\n- [ ] I confirmed the procedures for deregistering the vehicle and obtaining a Certificate of Deregistration in the event it remains unrecovered for an extended period.\n- [ ] When the vehicle was recovered, I notified the insurance company and the police first, and obtained photos and repair estimates before proceeding with any repairs.\n\n## Key Points\n\nWhile car theft may be covered by insurance if you have comprehensive coverage, key factors include whether 30 days have passed since the police report was filed, any exclusions in the policy terms, and whether the required documents have been submitted. The theft of valuables from inside the car or of specific parts must be distinguished from standard vehicle damage coverage. If the vehicle remains missing for an extended period, consider deregistration based on the theft report confirmation; if the vehicle is recovered, verify the procedures for reinstatement and re-registration within three months.","content_html":"\u003cp\u003eA vehicle theft is not simply a case of loss; it is an incident that involves filing a police report, reporting the incident to your insurance company, and processing the vehicle registration. The key is to \u003cstrong\u003ereport the theft to the police first\u003c/strong\u003e, \u003cstrong\u003echeck whether you have \u003cstrong\u003eCollision Coverage\u003c/strong\u003e\u003c/strong\u003e, and then handle the \u003cstrong\u003e30-day deadline after filing the theft report\u003c/strong\u003e and the \u003cstrong\u003ede-registration and re-registration procedures\u003c/strong\u003e in that order.\u003c/p\u003e\n\u003ch2\u003e\u003ca href=\"#conclusion-at-a-glance\" class=\"anchor\" id=\"conclusion-at-a-glance\"\u003e\u003c/a\u003eConclusion at a Glance\u003c/h2\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eQuestion\u003c/th\u003e\n\u003cth\u003eKey Answer\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eIs car theft covered by insurance?\u003c/td\u003e\n\u003ctd\u003eGenerally, if you have \u003cstrong\u003ecollision coverage\u003c/strong\u003e and there are no exclusions under the policy terms, the theft of the entire vehicle may be covered by insurance.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWhen can I file an insurance claim?\u003c/td\u003e\n\u003ctd\u003eAccording to the Standard Auto Insurance Policy, you can file a claim for the theft of an insured vehicle \u003cstrong\u003eonly after 30 days have passed since reporting the theft to the police\u003c/strong\u003e.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWhat if the vehicle is recovered within 30 days?\u003c/td\u003e\n\u003ctd\u003eA total loss claim for theft is usually not paid. However, if the recovered vehicle is damaged, you may be eligible for compensation for repair costs under the “Collision Coverage.”\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAre valuables inside the car covered?\u003c/td\u003e\n\u003ctd\u003eSince “Damage to Own Vehicle” coverage primarily addresses direct damage to the vehicle itself, personal belongings such as cash, precious metals, laptops, and golf clubs are not covered unless there is separate coverage.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIs it mandatory to deregister the vehicle?\u003c/td\u003e\n\u003ctd\u003eUnder the Motor Vehicle Management Act, a stolen vehicle qualifies as grounds for applying for deregistration. If the vehicle remains unrecovered for an extended period or if it is necessary for processing a total loss claim, it is important in practice to proceed with the registration authority’s procedures to obtain a Certificate of Deregistration.\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003ch2\u003e\u003ca href=\"#definitions-of-key-terms\" class=\"anchor\" id=\"definitions-of-key-terms\"\u003e\u003c/a\u003eDefinitions of Key Terms\u003c/h2\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eTerm\u003c/th\u003e\n\u003cth\u003eMeaning\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eTheft Report Confirmation\u003c/td\u003e\n\u003ctd\u003eA document issued by a police station confirming that a report of vehicle theft has been filed. It serves as key evidence for insurance claims and deregistration due to theft.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCollision Coverage\u003c/td\u003e\n\u003ctd\u003eA type of auto insurance coverage that compensates for damage directly sustained by the insured vehicle, up to the limit specified in the insurance policy. It is commonly referred to as “collision coverage.”\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTotal Loss\u003c/td\u003e\n\u003ctd\u003eRefers to a total loss of the vehicle where settlement based on the vehicle’s market value is necessary rather than repair. If a stolen vehicle cannot be recovered, the insurance claim may be processed similarly to a total loss case.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeregistration\u003c/td\u003e\n\u003ctd\u003eAn administrative procedure that terminates the vehicle’s registration status in the vehicle registration records. For theft-related deregistration, proof of the theft—such as a Theft Report Confirmation Letter—is required.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eReinstatement and New Registration\u003c/td\u003e\n\u003ctd\u003eThis is the procedure for re-registering a vehicle that was deregistered due to theft after it is later recovered. You must apply for new registration within three months of the date the stolen vehicle was recovered.\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003ch2\u003e\u003ca href=\"#steps-to-take-immediately-after-discovering-a-vehicle-theft\" class=\"anchor\" id=\"steps-to-take-immediately-after-discovering-a-vehicle-theft\"\u003e\u003c/a\u003eSteps to Take Immediately After Discovering a Vehicle Theft\u003c/h2\u003e\n\u003ch3\u003e\u003ca href=\"#1-report-it-to-the-police-first\" class=\"anchor\" id=\"1-report-it-to-the-police-first\"\u003e\u003c/a\u003e1. Report it to the police first\u003c/h3\u003e\n\u003cp\u003eOnce you confirm that your vehicle is missing, reporting it to the police takes priority over contacting your insurance company. In an emergency, call 112, and then file a theft report at the nearest police station, precinct, or substation, or through the Criminal Investigation Division of the jurisdiction’s police department.\u003c/p\u003e\n\u003cp\u003eWhen filing the report, it is best to have the following information organized as much as possible:\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eLicense plate number, VIN, vehicle model, and color\u003c/li\u003e\n\u003cli\u003eThe location and time you last saw the vehicle\u003c/li\u003e\n\u003cli\u003eThe time you realized the vehicle was stolen\u003c/li\u003e\n\u003cli\u003eWhere the car keys are kept and whether you have a spare key\u003c/li\u003e\n\u003cli\u003eAvailability of dashcam footage, CCTV footage, parking lot entry/exit records, and Hi-Pass data\u003c/li\u003e\n\u003cli\u003eA list of items that were inside the vehicle\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eAfter reporting the theft to the police, obtain and keep a \u003cstrong\u003eTheft Report Confirmation\u003c/strong\u003e or a related statement of facts. These documents can be used to resolve subsequent disputes regarding insurance claims, vehicle deregistration, and fines, tolls, or parking fees.\u003c/p\u003e\n\u003ch3\u003e\u003ca href=\"#2-notify-your-insurance-company-without-delay\" class=\"anchor\" id=\"2-notify-your-insurance-company-without-delay\"\u003e\u003c/a\u003e2. Notify your insurance company without delay\u003c/h3\u003e\n\u003cp\u003eIf you have collision coverage, it is safest to notify your insurance company of the theft immediately. The Commercial Code stipulates that you must notify the insurer without delay upon becoming aware of an insured event, and states that if damages increase due to a delay in notification, the insurer may refuse to compensate for those increased damages.\u003c/p\u003e\n\u003cp\u003eWhen notifying the insurance company, provide the police report number, whether a theft report confirmation can be issued, whether the vehicle’s location can be tracked, whether the keys were lost, and whether dashcam or CCTV footage is available.\u003c/p\u003e\n\u003ch3\u003e\u003ca href=\"#3-prepare-for-the-possibility-that-the-vehicle-will-be-found\" class=\"anchor\" id=\"3-prepare-for-the-possibility-that-the-vehicle-will-be-found\"\u003e\u003c/a\u003e3. Prepare for the Possibility That the Vehicle Will Be Found\u003c/h3\u003e\n\u003cp\u003eThe 30 days immediately following the theft report are a period during which the vehicle may be found. During this time, it is more important to confirm whether the vehicle can be recovered, secure evidence, and prevent further damage than to file an insurance claim.\u003c/p\u003e\n\u003cp\u003eIf the vehicle is recovered, it is advisable to notify the insurance company and the police first before repairing it on your own or cleaning the interior. This is because damage, contamination, or damage to parts that occurred during the theft, as well as the condition of the vehicle during towing and storage, can affect the insurance investigation and police inquiry.\u003c/p\u003e\n\u003ch2\u003e\u003ca href=\"#criteria-for-processing-auto-theft-insurance-claims\" class=\"anchor\" id=\"criteria-for-processing-auto-theft-insurance-claims\"\u003e\u003c/a\u003eCriteria for Processing Auto Theft Insurance Claims\u003c/h2\u003e\n\u003ch3\u003e\u003ca href=\"#cases-eligible-for-compensation\" class=\"anchor\" id=\"cases-eligible-for-compensation\"\u003e\u003c/a\u003eCases Eligible for Compensation\u003c/h3\u003e\n\u003cp\u003eFor an auto theft claim to be processed under insurance, at least the following requirements must be met:\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eThe insurance policy must include \u003cstrong\u003eCoverage for Damage to the Insured Vehicle\u003c/strong\u003e.\u003c/li\u003e\n\u003cli\u003eThe theft must be confirmed by a police report.\u003c/li\u003e\n\u003cli\u003eThere must be no grounds for exclusion under the policy terms, such as intentional acts, false reports, fraud, or embezzlement by the insured or the policyholder.\u003c/li\u003e\n\u003cli\u003eThe loss must involve the theft of the entire vehicle or damage directly incurred to the vehicle itself.\u003c/li\u003e\n\u003cli\u003eThe necessary documents must be submitted when filing an insurance claim.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eThe compensation limit for “Vehicle Damage Coverage” is determined based on the insured amount stated in the insurance policy and the insured value. Even if the insured amount exceeds the insured value, compensation may be limited to the insured value.\u003c/p\u003e\n\u003ch3\u003e\u003ca href=\"#cases-where-compensation-may-be-denied-or-limited\" class=\"anchor\" id=\"cases-where-compensation-may-be-denied-or-limited\"\u003e\u003c/a\u003eCases Where Compensation May Be Denied or Limited\u003c/h3\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eSituation\u003c/th\u003e\n\u003cth\u003eHandling Criteria\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eLoss of cash, precious metals, laptops, etc., inside the vehicle\u003c/td\u003e\n\u003ctd\u003eSince this does not constitute damage to the vehicle itself, it is unlikely to be covered under “Damage to Own Vehicle.” You should check whether there is separate coverage for personal belongings.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTheft of only certain parts, such as the navigation system, wheels, or battery\u003c/td\u003e\n\u003ctd\u003eUnder the Standard Terms and Conditions of Auto Insurance, the theft of only certain parts, accessories, or auxiliary mechanical devices of the insured vehicle is defined as a loss not covered under “Damage to Own Vehicle.”\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIntentional acts by the policyholder or the insured\u003c/td\u003e\n\u003ctd\u003eSuch losses are excluded from coverage under the “Damage to Own Vehicle” provision.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLosses resulting from fraud or embezzlement\u003c/td\u003e\n\u003ctd\u003eUnlike theft, these may be defined in the policy terms as losses not covered.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFalse theft reports\u003c/td\u003e\n\u003ctd\u003eThis can result not only in denial of insurance benefits but also in criminal penalties, administrative fines, and revocation of the vehicle registration.\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eLeaving the doors unlocked or the keys in the vehicle\u003c/td\u003e\n\u003ctd\u003eWhile it cannot be assumed that coverage is always denied based on these facts alone, the actual occurrence of theft, as well as gross negligence, intent, or collusion, may be subject to a thorough investigation.\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003ch2\u003e\u003ca href=\"#30-day-rule-when-to-file-a-claim\" class=\"anchor\" id=\"30-day-rule-when-to-file-a-claim\"\u003e\u003c/a\u003e30-Day Rule: When to File a Claim\u003c/h2\u003e\n\u003cp\u003eThe Standard Auto Insurance Policy stipulates that, in the event of theft of the insured vehicle, a claim for collision coverage can be filed \u003cstrong\u003eonly after 30 days have passed since reporting the theft to the police.\u003c/strong\u003e This requirement should be understood to mean “a claim can be filed after 30 days have passed since the report,” not “payment is made immediately upon reporting.”\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eTiming\u003c/th\u003e\n\u003cth\u003eAction\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eDay of discovery of theft\u003c/td\u003e\n\u003ctd\u003eReport to the police, file an accident report with the insurance company, obtain a theft report confirmation\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBefore 30 days have passed since the report\u003c/td\u003e\n\u003ctd\u003eConfirm whether the vehicle has been recovered, cooperate with the insurance company’s investigation, prepare supporting documents\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAfter 30 days have passed since the report\u003c/td\u003e\n\u003ctd\u003eIf the vehicle has not been recovered, you can file a claim\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eVehicle recovered before 30 days\u003c/td\u003e\n\u003ctd\u003eTotal loss insurance benefits are generally not paid; compensation for repair costs will be considered if the vehicle is damaged\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eClaim filed after 30 days, but vehicle recovered\u003c/td\u003e\n\u003ctd\u003eAccording to the policy terms, the payment of insurance benefits and the return of the insured vehicle are subject to the insured’s discretion. If the vehicle is found after the insurance proceeds have already been paid, you must confirm the terms regarding ownership and the disposal of the remains with the insurance company.\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003ch2\u003e\u003ca href=\"#documents-to-prepare-when-filing-an-insurance-claim\" class=\"anchor\" id=\"documents-to-prepare-when-filing-an-insurance-claim\"\u003e\u003c/a\u003eDocuments to Prepare When Filing an Insurance Claim\u003c/h2\u003e\n\u003cp\u003eThe required documents may vary depending on the insurance company and policy, but for theft claims, you typically need to prepare the following documents.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eDocument\u003c/th\u003e\n\u003cth\u003ePurpose\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurance Claim Form\u003c/td\u003e\n\u003ctd\u003eBasic document for the insurance company to receive the claim and review payment\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTheft Report Confirmation or Incident Confirmation\u003c/td\u003e\n\u003ctd\u003eKey document confirming the police report and the fact of theft\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eVehicle Registration Certificate or Related Documents\u003c/td\u003e\n\u003ctd\u003eVerification of vehicle ownership and registration information\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCertificate of Deregistration\u003c/td\u003e\n\u003ctd\u003eA document that may be required when filing a total loss claim due to theft\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eID, copy of bankbook, power of attorney\u003c/td\u003e\n\u003ctd\u003eVerification of identity, payment account, and authorization for a representative to file the claim\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eVehicle keys, spare keys, dashcam and CCTV footage\u003c/td\u003e\n\u003ctd\u003eTo verify whether the vehicle was actually stolen and the circumstances of the incident\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePhotos of the recovered vehicle, repair estimates, and repair invoices\u003c/td\u003e\n\u003ctd\u003eTo calculate repair costs if the vehicle was recovered but damaged\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eOnce you submit the insurance claim documents, the insurance company will determine the amount to be paid and process the claim in accordance with the procedures specified in the policy terms. If further investigation is required, the insurance company may notify you of the reasons for the delay in payment and the details that need to be verified.\u003c/p\u003e\n\u003ch2\u003e\u003ca href=\"#cancellation-of-registration-for-stolen-vehicles\" class=\"anchor\" id=\"cancellation-of-registration-for-stolen-vehicles\"\u003e\u003c/a\u003eCancellation of Registration for Stolen Vehicles\u003c/h2\u003e\n\u003ch3\u003e\u003ca href=\"#why-deregistration-is-important\" class=\"anchor\" id=\"why-deregistration-is-important\"\u003e\u003c/a\u003eWhy Deregistration Is Important\u003c/h3\u003e\n\u003cp\u003eIf a stolen vehicle remains registered without being recovered, it can lead to subsequent issues such as auto taxes, administrative fines, traffic fines, toll charges, and suspicion of illegal operation. Deregistration is a procedure that removes the vehicle’s registration status from the official registry, thereby reducing the administrative burden on the owner.\u003c/p\u003e\n\u003cp\u003eWhen applying for deregistration due to theft, it is advisable to contact the registration office to confirm the required documents for your specific jurisdiction. Generally, you will need the Application for Vehicle Deregistration, the Vehicle Registration Certificate, identification, and a theft report confirmation. Regarding the license plates, you must follow the registration office’s instructions depending on whether you actually possess them and the circumstances of the theft.\u003c/p\u003e\n\u003ch3\u003e\u003ca href=\"#application-deadline-and-documents\" class=\"anchor\" id=\"application-deadline-and-documents\"\u003e\u003c/a\u003eApplication Deadline and Documents\u003c/h3\u003e\n\u003cp\u003eIf you plan to apply for deregistration due to theft, you must generally submit the application within one month of the date the grounds for deregistration occurred. The Vehicle Registration Regulations stipulate that, when applying for deregistration due to theft, you must attach a theft report confirmation issued by the chief of the local police station.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem\u003c/th\u003e\n\u003cth\u003eDetails\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eApplication Agency\u003c/td\u003e\n\u003ctd\u003eVehicle Registration Authority\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRequired Documents\u003c/td\u003e\n\u003ctd\u003eApplication for Vehicle Deregistration, Vehicle Registration Certificate, ID, Theft Report Confirmation\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAdditional Verification\u003c/td\u003e\n\u003ctd\u003eCheck for liens, seizures, joint ownership, or whether the vehicle is leased, rented, or owned by a corporation\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eInsurance\u003c/td\u003e\n\u003ctd\u003eA Certificate of Deregistration may be required when filing a total loss insurance claim for a stolen vehicle\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003ch2\u003e\u003ca href=\"#if-a-stolen-vehicle-is-recovered\" class=\"anchor\" id=\"if-a-stolen-vehicle-is-recovered\"\u003e\u003c/a\u003eIf a Stolen Vehicle Is Recovered\u003c/h2\u003e\n\u003cp\u003eIf a vehicle that was deregistered due to theft is later recovered, you must apply to the vehicle registration office within three months of the recovery date, meeting the requirements for new registration. The general process is as follows:\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eObtain a temporary operating permit for new registration from the competent vehicle registration office.\u003c/li\u003e\n\u003cli\u003eHave the vehicle inspected at a designated vehicle inspection center.\u003c/li\u003e\n\u003cli\u003eSubmit an application for reinstatement and new registration to the registration office.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eThe registration license tax for re-registering a deregistered vehicle may be waived, so check with the registration office to confirm whether a reduction applies and what documents are required.\u003c/p\u003e\n\u003ch2\u003e\u003ca href=\"#false-theft-reports-carry-the-risk-of-separate-criminal-charges-and-penalties\" class=\"anchor\" id=\"false-theft-reports-carry-the-risk-of-separate-criminal-charges-and-penalties\"\u003e\u003c/a\u003eFalse theft reports carry the risk of separate criminal charges and penalties\u003c/h2\u003e\n\u003cp\u003eYou must not file a false theft report to avoid vehicle taxes, traffic fines, loan or lease issues, or ownership disputes. A false theft report can lead not only to insurance fraud charges but also to misdemeanor charges, false accusation, obstruction of official duties by fraud, and fines for making a false 112 emergency call.\u003c/p\u003e\n\u003cp\u003eIn particular, if a theft report confirmation letter is issued based on a false report and you use it to deregister the vehicle or file an insurance claim, you may face the revocation of the deregistration, recovery of insurance proceeds, and criminal liability once the falsehood is later discovered.\u003c/p\u003e\n\u003ch2\u003e\u003ca href=\"#practical-checklist\" class=\"anchor\" id=\"practical-checklist\"\u003e\u003c/a\u003ePractical Checklist\u003c/h2\u003e\n\u003cul\u003e\n\u003cli\u003e I have noted down the license plate number, vehicle model, color, and VIN.\u003c/li\u003e\n\u003cli\u003e I have reported the theft to the police and obtained the case number.\u003c/li\u003e\n\u003cli\u003e I have confirmed how to obtain a theft report confirmation or a statement of facts.\u003c/li\u003e\n\u003cli\u003e I notified the insurance company of the theft without delay.\u003c/li\u003e\n\u003cli\u003e I confirmed whether I have coverage for damage to my own vehicle and any additional riders.\u003c/li\u003e\n\u003cli\u003e I have preserved the vehicle keys, spare keys, dashcam footage, CCTV footage, and parking lot records.\u003c/li\u003e\n\u003cli\u003e I have compiled a separate list of items inside the vehicle.\u003c/li\u003e\n\u003cli\u003e I confirmed when I can file an insurance claim, around 30 days after the incident.\u003c/li\u003e\n\u003cli\u003e I confirmed the procedures for deregistering the vehicle and obtaining a Certificate of Deregistration in the event it remains unrecovered for an extended period.\u003c/li\u003e\n\u003cli\u003e When the vehicle was recovered, I notified the insurance company and the police first, and obtained photos and repair estimates before proceeding with any repairs.\u003c/li\u003e\n\u003c/ul\u003e\n\u003ch2\u003e\u003ca href=\"#key-points\" class=\"anchor\" id=\"key-points\"\u003e\u003c/a\u003eKey Points\u003c/h2\u003e\n\u003cp\u003eWhile car theft may be covered by insurance if you have comprehensive coverage, key factors include whether 30 days have passed since the police report was filed, any exclusions in the policy terms, and whether the required documents have been submitted. The theft of valuables from inside the car or of specific parts must be distinguished from standard vehicle damage coverage. If the vehicle remains missing for an extended period, consider deregistration based on the theft report confirmation; if the vehicle is recovered, verify the procedures for reinstatement and re-registration within three months.\u003c/p\u003e\n","tags":["Auto insurance","Vehicle theft","Own vehicle damage","Deregistration","Insurance claim"],"faqs":[{"question":"Is car theft covered by auto insurance?","answer":"If you have coverage for damage to your own vehicle and there are no grounds for exclusion under the policy—such as intentional acts, false claims, fraud, or embezzlement—the theft of the entire vehicle may be covered by insurance. However, whether compensation is actually paid depends on the terms of your policy and the results of the accident investigation."},{"question":"Will I receive a theft insurance payout even if I only have liability insurance?","answer":"Generally, it is difficult to receive compensation for damage caused by the theft of your own vehicle through mandatory liability insurance—specifically, Personal Injury Liability I and Property Damage Liability I—alone. To cover damage to your own vehicle, you must verify whether you have coverage under the “Own Vehicle Damage” policy."},{"question":"Can I receive my insurance payout immediately after reporting a theft?","answer":"No. According to the Standard Terms and Conditions for Automobile Insurance, you can file a claim for theft of the insured vehicle only after 30 days have passed since you reported the theft to the police."},{"question":"What happens if a stolen vehicle is found within 30 days?","answer":"If the vehicle is recovered within 30 days, the total loss insurance benefit is generally not paid. However, if the recovered vehicle is damaged, soiled, or defaced, you may be eligible for compensation for repair costs under the collision coverage."},{"question":"Will I be compensated for the laptop or cash that was in the car?","answer":"Basic collision coverage primarily compensates for direct damage to the vehicle itself. Personal belongings such as cash, jewelry, laptops, cell phones, and golf clubs are generally not covered unless you have a separate rider or other insurance policy."},{"question":"If I didn't lock my car doors or left my keys inside, will my insurance not cover it?","answer":"You cannot assume that this fact alone will always exempt you from liability. However, since the insurance company may investigate whether the theft actually occurred, whether there was any intent or collusion, and whether the key management and reporting procedures were reasonable, you must accurately explain the relevant facts."},{"question":"Why is a theft report confirmation letter required?","answer":"A Theft Report Confirmation is a key document that certifies that a theft report has been filed with the police. It can be used for insurance claims, to have the vehicle removed from the registry following a theft, and to resolve disputes regarding fines or toll charges incurred after the theft."},{"question":"When should I deregister a stolen vehicle?","answer":"If you plan to deregister a vehicle due to theft, you should generally apply within one month of the date the grounds for deregistration occurred. You should check with your local vehicle registration office regarding the specific documents to submit and the procedure for handling the license plates."},{"question":"If a vehicle that was deregistered due to theft is later recovered, can it be re-registered?","answer":"Yes, it is possible. If a stolen vehicle has been deregistered and then recovered, you must apply to the competent vehicle registration authority within three months of the date of recovery, provided you meet the requirements for re-registration."},{"question":"What are the consequences of filing a false theft report?","answer":"Filing a false theft report can result not only in the denial of insurance benefits and the recovery of overpaid amounts, but also in legal liability, including charges of a misdemeanor, false accusation, obstruction of official duties by fraud, and fines for making a false 112 emergency call."}],"sources":[{"url":"https://easylaw.go.kr/CSP/CnpClsMainBtr.laf?ccfNo=3\u0026cciNo=3\u0026cnpClsNo=1\u0026csmSeq=675\u0026popMenu=ov","title":"Easy-to-Find Information on Everyday Laws: What to Do If Your Car Is Stolen","type":"source"},{"url":"https://carinfo.knia.or.kr/lmxsrv/law/lawFullContent.do?SEQ=3\u0026SEQ_HISTORY=5","title":"General Insurance Association of Korea Automobile Insurance Comprehensive Portal: Standard Terms and Conditions for Automobile Insurance","type":"source"},{"url":"https://www.law.go.kr/LSW/lsLawLinkInfo.do?chrClsCd=010202\u0026lsJoLnkSeq=900420158","title":"National Law Information Center: Article 657 of the Commercial Act—Obligation to Notify the Occurrence of an Insured Event","type":"source"},{"url":"https://easylaw.go.kr/CSP/CnpClsMain.laf?ccfNo=3\u0026cciNo=2\u0026cnpClsNo=2\u0026csmSeq=675\u0026popMenu=ov","title":"Easy-to-Find Information on Everyday Laws: How Do I Deregister a Vehicle?","type":"source"},{"url":"https://www.law.go.kr/LSW//lsSideInfoP.do?docCls=jo\u0026joBrNo=00\u0026joNo=0037\u0026lsiSeq=286693\u0026urlMode=lsScJoRltInfoR","title":"National Law Information Center: Application for Cancellation of Registration under Article 37 of the Motor Vehicle Registration Regulations","type":"source"},{"url":"https://www.korea.kr/news/policyNewsView.do?newsId=148930646","title":"Republic of Korea Policy Briefing: Fines for False 112 Calls and Penalties for Obstruction of Official Duties","type":"source"}],"images":[{"id":25,"url":"https://injoys.com/rails/active_storage/blobs/redirect/eyJfcmFpbHMiOnsiZGF0YSI6MjY0LCJwdXIiOiJibG9iX2lkIn19--c1506dadd1bb15989aa58b5a97c61e8f749ba56e/ai-6385eb90.webp","is_representative":true,"generation_method":"ai_image","license":"ai_generated","mime_type":"image/webp","translations":{"ko":{"alt":"빈 주차장의 점선 자동차 윤곽, 경광등, 우산 아래 차량, 서류와 달력 일러스트","caption":"도난 차량의 보험 처리와 말소등록 절차를 상징적으로 보여줍니다.","description":null},"en":{"alt":"Empty parking space with dashed car outline, siren, covered car, documents and calendar","caption":"The illustration shows insurance handling and deregistration steps after a car theft.","description":null},"ja":{"alt":"空の駐車枠に点線の車、警告灯、傘の下の車、書類とカレンダー","caption":"盗難車の保険対応と抹消登録の流れを示すイラストです。","description":null},"es":{"alt":"Plaza de aparcamiento vacía con contorno de coche, sirena, coche bajo paraguas, documentos y calendario","caption":"La ilustración contextualiza el seguro y la baja registral tras el robo de un coche.","description":null},"id":{"alt":"Tempat parkir kosong dengan garis mobil, sirene, mobil berpayung, dokumen, dan kalender","caption":"Ilustrasi ini menggambarkan klaim asuransi dan penghapusan registrasi setelah mobil dicuri.","description":null},"pt":{"alt":"Vaga vazia com contorno de carro, sirene, carro sob guarda-chuva, documentos e calendário","caption":"A ilustração mostra seguro e cancelamento de registro após o roubo de um carro.","description":null},"zh-hant":{"alt":"空停車位中的虛線車影、警示燈、傘下汽車、文件與日曆","caption":"插圖呈現車輛遭竊後的保險處理與註銷登記流程。","description":null}}},{"id":26,"url":"https://injoys.com/rails/active_storage/blobs/redirect/eyJfcmFpbHMiOnsiZGF0YSI6MjcwLCJwdXIiOiJibG9iX2lkIn19--ad875f48ad17daf9d53d8a19800840ad5a284d67/ai-fa9379b7.webp","is_representative":false,"generation_method":"ai_image","license":"ai_generated","mime_type":"image/webp","translations":{"ko":{"alt":"도난 차량, 서류와 도장, 보험·등록 절차를 상징하는 파란 자동차 일러스트","caption":"도난 차량 신고 후 보험 처리와 말소등록으로 이어지는 절차를 나타낸 장면입니다.","description":null},"en":{"alt":"Stolen car, paperwork, stamp, and blue car illustrating insurance and registration steps","caption":"The illustration shows the process from a stolen vehicle claim to registration cancellation.","description":null},"ja":{"alt":"盗難車、書類と印鑑、保険・登録手続きを示す青い車のイラスト","caption":"盗難車の保険処理から抹消登録までの流れを表しています。","description":null},"es":{"alt":"Auto robado, documentos, sello y coche azul que representan trámites de seguro y registro","caption":"La ilustración muestra el paso del reclamo por robo al trámite de baja registral.","description":null},"id":{"alt":"Mobil dicuri, dokumen, stempel, dan mobil biru yang menggambarkan proses asuransi dan registrasi","caption":"Ilustrasi ini menunjukkan alur dari klaim pencurian kendaraan hingga penghapusan registrasi.","description":null},"pt":{"alt":"Carro roubado, documentos, carimbo e carro azul representando seguro e registro","caption":"A ilustração mostra o caminho da indenização por roubo até o cancelamento do registro.","description":null},"zh-hant":{"alt":"遭竊車輛、文件、印章與藍色汽車，象徵保險與註銷登記流程","caption":"插圖呈現車輛遭竊後從保險理賠到註銷登記的流程。","description":null}}}],"published_at":"2026-07-04T14:24:38+09:00","updated_at":"2026-07-04T14:24:38+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant"],"url":"https://injoys.com/en/articles/car-theft-insurance-claim-korea"}