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Fuck me. I’ve been making my payments, it’s literally 6 months from being paid off. I called all the towing companies nearby and nothing. Now I’m gonna have to deal with cops and insurance and AAAAAAAA.
Has anyone had this happen before? Like does insurance normally pay for a rental?
I just wanted to vent 
Your level of insurance will determine whether they will pay for a rental.
Sometimes towing companies lie/don't keep track of what they tow. It might be worth going to where they keep the cars just to double check but that does suck, comrade 
Check your insurance documents. A claims adjuster will investigate to make sure it was actually stolen. You need to inform the cops since they’re the official word on the car. If the insurance decides it’s a loss then you will be asked to sign over ownership of the car to them so in the event it is found they have the title to it. They’ll give you market value plus sales tax (as if you bought the car today). So research to search for comparable vehicles (2016 accords with similar mileage and trim level) and save the searches to a PDF. If you have rental car coverage then they’ll set you up if not then you’re SOL. The process took me about 5 weeks. At least in Florida they’re obligated to do something about it within a relatively short timeframe
Thanks for the info! I had to Uber to work this morning so haven’t had a chance to talk to my insurance.
The process took me about 5 weeks.
They’ll give you market value plus sales tax (as if you bought the car today).
So probably less than I’ve paid towards it so far, fuuuck me.
Contact your insurance immediately or at least as soon as you get a police report. Lmk if you have other questions
Oh that's so fucking awful. Like other commenters said, it may be towed somewhere and just not on the paper. Insurance may pay for a rental depending on what insurance you have. If you have full coverage, they probably will. If you just have liability, you're SOL.
Wtf my car got stolen night before last as well! 
Insurance should likely pay or give a discount on a rental. Expect your rates to go up either way. Sorry for that shit.
