Hi I'm I have a rough situation here, any advice would be greatly apreciated: I had a party over the halloween weekend and to make a long story short my car was "borrowed" by this chick I know. Come monday and my car was not back and her phone rings but she won't answer WTF I call the cops monday to report my car stolen. What do the cops say: well your car is not stolen since the person had access to your keys WTH !!! i say. So basically they won't look for her or the car for a month. After 30 days they said I can then file it as a theft!! This car is a pretty nice one too, fully paid off worth around 15k, I only had liablity on the car as well ****. So what do I do : changed my insurance to full coverage on monday , since I guess its technically not stolen yet !!? Its now thurday and its obvoious the chick is not brining my car back probably has it stripped down anyways by now so I figure I call my insurance and tell them my car is stolen ?! or do i wait that month and then file the police report first then call the insurance ? Either way I'm fearfull they will refeuse to cover the theft since it was technically gone as of sunday but my coverage does not take effect until the 2nd which is tuesday. any ideas I'm tearing my hear out here this was supposed to be a decent year for me too which sucks I am working a new membership site ( any positve or negative comments are welcome) I bought a new beater just so i can get to work but losing that car for nothing after 5 years of payments is gona kill me .