How do most major auto insurance work when a vehicle is stolen?

My Uncles SUV was stolen and he is afraid that they will recover it vandalized and given back to him. He doesn’t want it back as he is afraid the damage is allot. Is there a specific time in which all insurance companies give before they say its a total loss and pay the vehicle? Does waiting period varies by insurance company?

normally its about 30 days give or take. and if the vehicle is a newer vehicle more then likely it will be fixed and they return it to him. unless his vehicle is burned up, or completely striped hes getting it back

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