What is the first action required by the insured if their vehicle is involved in an accident where the vehicle is stolen?

The first action required by the insured after their vehicle is involved in an accident and subsequently stolen is to file a report with the police. This step is crucial because it establishes an official record of the theft, which is vital for any subsequent insurance claims. Law enforcement needs to be informed to begin an investigation, and their report will serve as critical documentation when the insured later communicates with the insurance company.

In addition, filing a police report helps to establish the circumstances surrounding the theft and can assist in recovering the vehicle. This action typically holds priority over contacting the insurance company or collecting evidence, as insurance claims often hinge on a law enforcement report to verify the event.