Short Answer
Complete Explanation
The phrase “theft attempted” refers to an incident in which an individual made a deliberate effort to steal a vehicle but did not succeed in taking possession of it. In insurance terminology, this designation is used to classify a claim where the vehicle suffered damage or loss of property due to the attempted theft, even though the car itself remains with the owner. Law enforcement agencies may also record the incident as “attempted theft” to indicate that criminal intent and some act toward theft were present, which can affect legal proceedings and insurance premiums.
- Legal definition:
Most jurisdictions define attempted theft as the act of taking substantial steps toward stealing property, which, if completed, would constitute theft. The attempt must be purposeful and beyond mere preparation. - Insurance impact:
Insurance policies that include comprehensive coverage typically pay for damages caused by an attempted theft, such as broken windows or forced entry, even though the vehicle was not taken. - Police reporting:
When officers file a report, they note “theft attempted” to differentiate it from a successful theft, which influences the criminal charges filed against the suspect. - Owner responsibilities:
Vehicle owners should document any damage, contact their insurer promptly, and may be required to provide a copy of the police report to process the claim.
Common Misconceptions
An attempted theft means the car is automatically considered stolen.
The vehicle remains the owner’s property; only the act of trying to steal it is recorded.
Insurance will not cover any costs if the theft was not successful.
Comprehensive coverage often pays for damage caused during the attempt, such as broken locks or windows.
Police reports of “theft attempted” are the same as a burglary report.
A burglary refers to unlawful entry into a structure, while “theft attempted” specifically concerns the effort to take a vehicle.
FAQ
Does an attempted theft affect my insurance premium?
Yes, insurers may view an attempted theft as an increased risk factor, potentially leading to higher premiums, especially if the claim results in a payout.
What should I do immediately after an attempted theft?
Secure the vehicle, document damage, contact law enforcement to file a report, and notify your insurance company as soon as possible to start the claim process.
Is a broken window from an attempted theft covered?
Under most comprehensive policies, damage caused by an attempted theft, such as broken windows or forced entry, is covered, subject to the policy’s deductible.
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