Did he steal it to pay car insurance

Ah yes, another day, another car insurance scam. This isn’t the first time a car owner has found they can’t afford the payments. And this isn’t the first time they’ve come to the conclusion that being robbed gets them off the hook. Except it’s not, as you’ll see in this beautiful story of greed and ignorance.

Will auto insurance reimburse a stolen vehicle?

Abandoned Stolen Car | Getty

The loss is usually covered if you have comprehensive insurance. So that was the reasoning behind Tiffany Ann Littlejohn in North Carolina staging the theft of her Chevy Camaro LT. It seems so simple.

The problem is that insurance investigators have a way of determining what really happens in the event of a theft. Yes, it took a while for the insurance company to figure out it was a scam, but they finally did. The investigation lasted a year.

Is insurance fraud a crime?

stolen car

Police inspect stolen van | Getty

Littlejohn must have concluded that she got away with it. Then she was arrested by the North Carolina Insurance Commissioner. She was charged with insurance fraud and obtaining property under false pretences according to commissioner Mike Causey. Both are criminal offences.

According to the report, Littlejohn told police and his car insurance company that her ex-boyfriend did it. The reason for the fraud was to have the loan reimbursed by the insurance company, according to the criminal summons. Causey took the opportunity to remind people that they can help keep insurance costs down by reporting suspected insurance fraud.

Do they usually find stolen cars?

car theft warning

Car theft warning sign | Getty

You may be surprised to learn that there is a 60% recovery rate for stolen vehicles. Of those recovered, about a third of them have damage. Every day more than 200 cars are stolen across the country.

As you might expect, California has the highest number of car thefts and the highest percentage of stolen keys left in cars. Why do people do this? Albuquerque has the highest number of stolen cars per capita of any US state. But California has five of the top 10 cities with the most reported stolen cars.

Vermont has the lowest rate of auto theft. Per 100,000 people, Alaska is number one in auto theft, New Mexico is second, and Nevada is third. According to CarInsurance, it turns out that California lands in the 45th sport in this ranking.

If you live in a high theft area, your car insurance will be higher

car thief

Car theft suspect arrested | Getty

The hidden downside of higher theft rates is higher car insurance premiums. They are higher in areas where vehicle theft is higher. So keeping your car safe not only helps you, but also the area you live in.

With inflation, supply chain lockdowns and the fallout from COVID-related issues, cars are more expensive than ever. Which means the theft is on the rise. Thieves tend to avoid expensive cars because they have tracking devices and stand out. Thus, the F-150 or the average Toyota Camry is the main target of thieves. In other words, the vehicle you are driving is most likely an excellent target.

RELATED: Auto Insurance Myths You Should Stop Believing

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