Years ago,, my car was stolen during the night from in front of the Spousal Equivalent's house, where I was spending the weekend.
I got it back two days later, unharmed, completely detailed. Unfortunately, everything in the car was missing, including a box of library books I had put in the trunk to return the next day ($220 worth). Insurance didn't cover anything in the car. I only got reimbursed for the impound fees and car rental.
The perp (a 15 year old boy) had left a CD in the player, with his fingerprints liberally embossed on it. When he got caught a few months later stealing another car, the prints popped up in the system.
I went to his trial just to see what he looked like (I would have guessed him to be about 12), his mother was wearing my winter jacket that had been in the car. Needless to say, I didn't want it back. He got a light slap on the wrist, probation, and didn't have to make any restitution to me. As the lady from the Victim's Assistance Office said to me, "Essentially you've been screwed twice" (her exact words).
The worst part was being treated like the criminal again and again by both the police and the insurance company, getting asked over and over, "Did you trade the car for drugs? Did you arrange to have the car stolen for money? Did you give the car to anyone to pay a debt?" I finally went ballistic...why would I have the car stolen, a paid-off, low mileage, high resale value car to get the measly amount the insurance company would pay me for it, when I could sell it in 24 hours for a much higher amount?
I hope to hell that I never get another car stolen.