Engine failed right after my vehicle was stolen and recovered and insurance is claiming it’s not covered

My car was stolen last month. It’s a 2011 Hyundai Sonata. Police located it the day after it was stolen. Initially, there wasn’t any obvious damage other than the drivers side key hole being removed and the ignition was jammed so I couldn’t put my key in all the way. The tow truck driver tried to jump the battery which didn’t work and also caused the engine to start smoking. He used a fire extinguisher to stop the smoke. After the mechanic fixed the car lock and ignition issues, the engine wouldn’t start and they said it seized.

Insurance is claiming that the engine failure was not directly caused by the theft, so they will most likely not cover it. They think the Hyundai engine recall is what caused it to fail (I didn’t even know there was an engine recall), so they are in contact with Hyundai to see if they will cover the engine replacement, but I don’t have high hopes.

I’m just wondering if there is anything that might have caused the engine to fail because of the theft? And if insurance’s (progressive) stance on not covering it is appropriate?

My car was driving perfectly fine before it was stolen. I was about 1,000 miles over the recommended 3,000 mile mark for an oil change, but I’ve read that it’s more like 5,000 these days if not more. I think it’s kind of bull shit that insurance won’t cover this issue that clearly happened immediately after the car was stolen. I’m super stressed about this and would appreciate any insight. Thanks in advance!



View Reddit by Icy-Obligation-8862View Source

My car was stolen last month. It’s a 2011 Hyundai Sonata. Police located it the day after it was stolen. Initially, there wasn’t any obvious damage other than the drivers side key hole being removed and the ignition was jammed so I couldn’t put my key in all the way. The tow truck driver tried to jump the battery which didn’t work and also caused the engine to start smoking. He used a fire extinguisher to stop the smoke. After the mechanic fixed the car lock and ignition issues, the engine wouldn’t start and they said it seized.

Insurance is claiming that the engine failure was not directly caused by the theft, so they will most likely not cover it. They think the Hyundai engine recall is what caused it to fail (I didn’t even know there was an engine recall), so they are in contact with Hyundai to see if they will cover the engine replacement, but I don’t have high hopes.

I’m just wondering if there is anything that might have caused the engine to fail because of the theft? And if insurance’s (progressive) stance on not covering it is appropriate?

My car was driving perfectly fine before it was stolen. I was about 1,000 miles over the recommended 3,000 mile mark for an oil change, but I’ve read that it’s more like 5,000 these days if not more. I think it’s kind of bull shit that insurance won’t cover this issue that clearly happened immediately after the car was stolen. I’m super stressed about this and would appreciate any insight. Thanks in advance!



View Reddit by Icy-Obligation-8862View Source

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