If your vehicle is stolen, the financial responsibility for replacing it depends entirely on your chosen level of car insurance. If you carry comprehensive car insurance, your insurance provider will pay out the current market value or agreed value of the vehicle (minus your policy excess) once the theft claim is processed and a designated waiting period expires. If you only hold third-party liability insurance, your policy does not cover theft, meaning you absorb the entire financial loss yourself unless a third party's proven negligence directly contributed to the crime.
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