My prius was stolen.

check with the state insurance commissioner, there should be a grace period. all the best.

 

Something is not adding up. You went for 2 weeks and it takes more than that amount of time to cancel a policy.

If your insurance is indeed cancelled, then you are out of luck. If you owe money on the car, I would think someone will come looking for you.

 

Yes, check with the state insurance commissioner. My agent has indicated a grace period of longer than two weeks, but then I pay on 6 month intervals, not every month.

Is there any evidence to show when the car was stolen, in comparison to when the policy was cancelled?

 

there are a few possibilities. where does she keep her fobs?

 

I can't find anything quickly for Florida or Allstate but here's the answer for Pennsylvania:
1. My automobile policy was canceled because I did not pay my premium on time. Is this legal? Yes. If your insurance company does not receive your premium payment by the due date, the company is permitted to cancel your policy for non payment. Pennsylvania law does not require companies to extend a grace period for premium payments.

Are the company's cancellation policies stated in the monthly bill? If not, the agent should have an answer. I know for some of the medical insurances if the premium isn't paid on time the policy is cancelled.

 

Do beware that grace period policies may vary widely, and may also depend on how longer the customer has been with that business. Where grace periods exists, customers paying monthly have likely to have far shorter periods than customers paying yearly.

Tow trucker drivers don't need to hotwire anything when they take cars away.

 

The first mistake was using Allstate; the second was not paying it automatically out of a bank account.

It's not easy to hot wire a Prius but they might have have pulled up with a tow truck and hauled it away. I hate to say it but the car is probably in a hundred pieces by now with the expensive battery already sold and the rest for sale to other shady mechanics or via online sellers..

 

Well you would need to find out the last day of her policy that was in effect.....then hopefully you can report it was stolen 1 day prior to that day.

Check with anyone that might have a camera near you and see when the car went missing.

This sounds like an inside job, happened when you were gone........whoever that knew, I would look in their garage first

 

Do you have both your key FOBs?

 

was it on the street? or in your driveway?

 

Well Condo units have HOA, maybe they have insurance that will cover theft? Surely they have cameras too.

You should find out when the car was actually stolen. If it was stolen during the time your policy was in effect, then you should be covered. Video dated evidence is good.

 

Your profile shows a 2013 Model 5. Does that describe the car in question?

If so, does the car have Safety Connect? (Same as GM's OnStar. It is a package option for the model.) That can be used to track stolen cars. Even if it was not activated before the theft, it might to possible to activate it now. At least one member here, who had a Prius stolen the first night at home (fob taken in a car prowl of another family car), activated the Safety Connect after the theft, and it promptly located the car.