Charged under or Vehicle Code 10851, which carries a sentence of up to three years in county jail or state prison. Car Recovery Fees and Auto Insurance ImpactFor the actual owner of the vehicle, the financial headache does not end when police recover the car. Many comprehensive auto insurance policies will cover these recovery fees. Many comprehensive auto insurance policies will cover these recovery fees. Orange County Vehicle Theft TrendsVehicle crime remains a highly targeted priority for regional law enforcement.