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Sorry to hear about that, Dayana. First, pray it's not recovered. Second, if it is recovered, ask the police to do a complete search. You don't want that miscreant's pipe rolling out from under the seat when you get stopped for speeding :)

The chances of what's going to happen/has happened to your car as you described above are incalculable. Statistics don't matter anyway, it's your specific car you are concerned about.

How long you wait to recover is up to you and Geico. Once they cut you a check, it's their problem if/when it turns up.

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