Take this story as a lesson: get your auto insurer to guarantee in writing that you’re covered in the event of a bear stealing your car, taking a huge dump in it, and crashing it into a neighbor’s mailbox.

A Durango, Colorado, family woke to learn that their Subaru had been broken into in the night and taken on a joyride. By a bear.

SEE ALSO: Send help. An ‘unusually aggressive squirrel’ is terrorizing Brooklyn.

The car was discovered around 5:00 a.m. on Aug. 4, in the front yard of the owner’s neighbor.

“Usually, I don’t get up at 5 o’clock unless there is a bear driving a car down the street,” Ron Cornelius, the neighbor in question, told …

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