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The process of filing a claim for a stolen car with USAA begins with reporting the theft to the local authorities. Policyholders must provide a police report number when filing the claim with USAA. This report serves as evidence that the vehicle was indeed stolen and not involved in any other fraudulent activities.

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• 1 Water damage in cars can occur due to various reasons such as heavy rainfall, flooding, or even a malfunctioning air conditioning system. This type of damage can affect different parts of the vehicle, including the interior, engine, and electrical components. It is essential to understand the extent of the damage to determine if it is covered by insurance.