If a vehicle has been stolen, what is the insured required to do according to the conditions clause in the personal auto policy?

When a vehicle is stolen, the insured is required to notify the police immediately as per the conditions clause in the personal auto policy. This requirement is in place to ensure that law enforcement can begin an investigation into the theft as soon as possible. Prompt reporting to the police helps in tracking down the stolen vehicle and aids in creating a formal record of the incident.

The action of notifying the police serves several important functions, including assisting in the recovery of the vehicle and establishing a timeline of events, which can be critical during the claims process. Additionally, having an official police report is often necessary for the insurance company to process the claim effectively.

While checking for witnesses and communicating with the insurance company are important steps that might follow, the immediate obligation is specifically to the police, as they play a key role in the legal aspects of the theft. Renting a vehicle may be a consideration for the insured later, but it is not a requirement upon the discovery of theft.