Whether you have to pay a deductible for a stolen car depends on your insurance policy and the specific circumstances. Most comprehensive car insurance policies cover theft, but they usually still have a deductible. This means you'll have to pay a certain amount out-of-pocket before your insurance company starts paying for the repairs or replacement.
So, the short answer is usually, yes. However, you should check your policy documents carefully to confirm your deductible and coverage for theft.
