Doesn't insurance have the incentive to go after car thefts?
I've never heard of cops listening to e.g. bike theft (I had my bike stolen, didn't even bother) but I would think if you file a claim for a stolen car the insurance company would bother the cops enough for them to look into it.
I don’t think insurers really care either. They just pass the cost on to the insured and because all insurers have the same risk in aggregate, they all raise premiums. We get screwed because we pay more but the insurance companies are doing just fine either way and the police is also happily doing nothing because that’s hard work.
I've never heard of cops listening to e.g. bike theft (I had my bike stolen, didn't even bother) but I would think if you file a claim for a stolen car the insurance company would bother the cops enough for them to look into it.