Sorry to hear the news, that's lousy... I'm not very surprised that the local PD did not notice the folder full of the perp's identification, as it seems that auto theft, any theft really, is just kind of pushed aside these days. You are told to make out a report, but this is not for some big investigation, but so that you have something for back-up when filing your insurance claim. I'm sure you'll hear that this is because there are so many other pressing issues, and such limited resources, and that is very true, but I just think it's a shame that honest, hard working people get taken advantage of by scum that, so often, just keep on going to the next victim.
If you think about it, the way it works, is that our private insurance coverage system is just another social welfare system, only for criminal dependents... Good guy/employed person buys insurance to 'protect' their stuff, bad guys steal your insured stuff to sell for money and/or drugs, good guy/employed person gets 'paid' by insurance company for lost stuff, insurance company raises rates to keep making huge profits. It's a back-door way of supporting criminals/druggies, with 'taxpayer' (working people's) money; what a system!
I think it's ironic that you brought up the horse analogy, because in the old days, if you stole someone's horse you would likely get hanged. Now, you steal someone's car, and nobody cares... It's actually good business for the insurance companies (they just raise rates, where needed), auto body shops, radio manufacturers, tow companies, etc...
Anyway, rant off, and sorry again for your troubles.