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You had car insurance, filed a claim and but did not get paid. Liability only coverage. Comprehensive and Collision. Read your declarations page. A certain number of days to notify of a claim. Deliberate acts are not covered.
Contents coverage is not included. Comprehensive coverage to compensate for theft.If the thief used your keys you left the car unlocked, you're not covered. Damage sustained while committing a crime. Hit and run driver claims can be denied. Damage from DUIs, Storms, and civil unrest can be refused. Earthquakes in California, hurricanes in Florida and tornados may not be covered. Natural disasters including floods, tsunamis and wildfires may not be covered. Medical expenses would not be covered unless you had medical payment coverage. Without full coverage, vandalism claims will be denied. Non cooperation with insurance investigators will cause your claim can be denied for fraud. Admitting liability may reduce your coverage.