She borrowed it for 20 minutes to go to the 7-11, and never returned. She was charged by the police and is now in jail. Problem is she gave the vehicle away for drugs... Now insurance is saying it is not covered.
2006-07-18 07:11:41 · 13 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Your insurance won't cover it. Insurance does not cover criminal acts, and as much as you say that you didn't know what she was doing, to them, it still seems pretty shady, and criminal.
Did you report the car as stolen? If not, it just adds to the suspicion.
Sorry.
2006-07-18 14:50:12 · answer #1 · answered by Nysa 3 · 0⤊ 0⤋
Here is the CORRECT answer. It isn't covered because YOU gave HER the keys and lent her the vehicle. If she had broken into your house and taken the keys without your permission, and then stole the car, it would be covered. Since you gave her the keys, you just lost the vehicle. Your only hope now is that the vehicle is found and is undamaged. Good Luck with that.
Without sounding judgemental, I just gotta ask...why would you give the keys to your car to some lowlife druggie? And I'm not going to believe that you didn't already know about her drug use. Were you just too lazy to drive her to the store yourself?
2006-07-18 08:23:39 · answer #2 · answered by answerman63 5 · 0⤊ 0⤋
Is it not covered because you don't have comprehensive coverage? If someone gives your car away, and you didn't give them permission to give the car away - that's theft.
These investigations usually revolve around not only the circumstances of this particular incident, but whether you have given the keys to this person before.
Regardless, I find it hard to believe that the insurance company would deny a claim for theft - if you have comprehensive coverage - if the facts as you state them are true.
If that's the case - get yourself another insurance company. If you get another car....
And - insurance does cover for criminal acts - it depends on the particular act and what coverage is carried.
2006-07-18 16:01:00 · answer #3 · answered by wofat 1 · 0⤊ 0⤋
Get a copy of your policy and read it. It sounds pretty shady, but it MAY be legal in your state. These kinds of documents (insurance policies, any legal document) can be very wordy and cumbersome. If you're not understanding it, don't be afraid to ask someone for help interpreting it.
If you loan your car to someone and they damage it (or steal it), your policy should cover that. What is not covered is damage to other people's person or property. That is the responsibility of the driver - not the car owner.
Just because you gave her the keys does not mean that it was ok for her to steal it. She's in jail, isn't she?
2006-07-18 07:14:44 · answer #4 · answered by FozzieBear 7 · 0⤊ 0⤋
It relies upon on a million) the state you stay in and a pair of) the kind of automobile coverage you've and three) the kind of automobile coverage the motorized vehicle has. maximum states "rule" is THE insurance FOLLOWS the motorized vehicle. There are some states notwithstanding, the position insurance follows the driver. Which one are you? once you're in a state the position the insurance follows the motorized vehicle, the popular insurance is the single which at present insures the motorized vehicle, the quite drivers insurance may be SECONDARY. If insurance is denied for besides the actuality that reason by using the popular service, then the insurance of the driver turns into popular. (that is acceptable for ALL COVERAGES, collision/criminal duty, medpay, criminal duty.) in case your're in a state the position the insurance follows the driver, then the driver's insurance service is popular.
2016-10-14 22:29:30 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Insurance doesn't cover criminal acts. Think about it: say you really hate someone and you intentionally ram them off a cliff with your car. Does it make sense for the insurance company to cover that act?
2006-07-18 07:15:11 · answer #6 · answered by Lisa B 4 · 0⤊ 0⤋
Because it isn't theft, it isn't even using a vehicle without permission. You gave her the keys. Of course the person who now has the vehicle has no right to it, unless you left the title in the glove box where they could get to it. Please tell me you didn't do that. If you didn't, you do have the right to get your property back.
2006-07-18 10:31:42 · answer #7 · answered by oklatom 7 · 0⤊ 0⤋
Look under 'permissive use' in your dec. pages of the policy. Your problem here (IF you are telling the truth) is you company just doesn't believe you. There is an outside chance you could still recover but it looks dim. Advice: get new friends.
2006-07-18 15:35:54 · answer #8 · answered by Anonymous · 0⤊ 0⤋
You knew the person. It's like giving your car keys to your dad.
2006-07-18 07:16:15 · answer #9 · answered by Anonymous · 0⤊ 0⤋
first off I don't get why would you give your car to someone like that, and secondly its not covered becuase you borrowed it to her, so tecnically she never stole it becuase you gave it to her.
2006-07-19 05:48:26 · answer #10 · answered by serb423 3 · 0⤊ 0⤋