If someone steals my car, I hope it's never recovered so I can get the insurance payout. Who knows how the thief drove it (e.g. put it in neutral and floored it for 10 minutes) and what unseen damage lurks.
Fortunately my car has a manual transmission, so chances are any idiot kid who tries to hop in my car and steal it will give up a few seconds after they realize that they have no idea how to operate it.
For many people, even though insurance is just supposed to "make you whole" they end up with a better result after a payout, even with a $500 deductible or whatever.
Often actual theft is deductible-free.