If you keep up with local news then I'm sure you've heard by now about the high-speed chase that ended with a truck going off the road on Charlotte Street and ending up in the Seneca River. The truck was fished out of the river around 3:30 AM on Monday, March 15, by the State Police. Both the Baldwinsville Police and the State Troopers are working to apprehend the occupants of the vehicle. (See the story here.)
While details are still unclear, this case gives us a chance to discuss what you should do if this were your car floating towards Lock 24. Let's assume, for a moment, that your car is stolen and ends up badly damaged or destroyed (we'll hope that you aren't the one running from the police late on a Sunday night). What's the first thing you should do? Call the police (again, assuming you're not on the lam) and file a report. Most insurance companies cannot process your claim without a police report. Next you should call your insurance company with the following information: vehicle title and paperwork, location of keys before, during and after theft, names and contact info of everyone who had access to the vehicle and a list of any personal property stolen along with the vehicle.
If your vehicle is recovered by the police, make sure you call your insurance company right away so they can quickly resolve the claim. Fortunately, we live in an area where grand theft auto is relatively low (unless you count your kids and their video games) but it never hurts to be prepared just in case.
Happy travels!
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