If you vehicle is hit by a stolen vehicle when parked can who pays for my vehicle?

Answer 1

Unfortunately, if the other vehicle is legitgimately stolen and reported to the police as such (not just borrowed by a friend) the company that insures that car can't pay for your damages.

Every auto insurance policy has a clear exclusion for damages that occur to things or people while the vehicle is being operated by someone who stole it.

If you have collision coverage, report it to your own company and let them get rolling on a claim for you; if you're one of the few states that has Uninsured Motorist Collision, that could cover it too but it's not common. Check with your company.

If you don't have any coverages of your own that would apply, I'm afraid you'll have to pay out of pocket and make sure to get yourself added to any court case as a victim if the thief/driver was arrested. The police can assist you there and then when (if?) the case goes to court they will address your restitution.

Good luck!

Answer 2

Basically you'll have to turn it in to your insurance company, along with copies of all pertinent police reports. Then your insurance company will try to sue the car thief, and possibly also try to seek compensation through the other car owner's insurance company...anything to avoid paying it off themselves. But, failing at that, what it boils down to is that your comprehensive coverage should cover it, and comp claims don't count against your record. This would be no different than if a tree fell on the car from a claim standpoint...you weren't at fault, or even in the car, so it's not a collision claim on your part...it should be covered under comp. Double check this with an insurance agent to be sure.

Hope this helped.

Answer 3

If your insurance policy has a comprehensive clause (covering damage to your car by others), then your insurance company will pay for it. They will pay out of their pocket and may try to get reimbursed by the original owner of the stolen vehicle - if that owner 1) has insurance, and 2) was negligent by not securing their car (hard to prove.)

If you don't have insurance, then you will pay the damages from your own pocket. It's not too likely the car thief will have insurance....

You can always sue the car thief, but again, what assets do they have to pay for your damages?

Sorry - I hope you have comprehensive coverage.

Answer 4

If you know who owns the stolen vehicle it is their responsibility. I know it doesn't sound fair..but that is what happened when someone hit me in a car they "borrowed" from their friends. The friends had to pay for my damages,I hope they sued their "friend" to get the money back.

Answer 5

It's the same thing as being hit by an uninsured motorist, your insurance would have to pay for it, that is assuming you have full coverage. Uninsured motorist on your policy might help with the deductible. Good luck and Safe parking!!!

Answer 6

I had that happen a few years ago. The stolen car's insurance refused to pay for damage caused in the commision of a crime. My insurance paid for the damages to my car .(less my deductible)

The car thief was supposed to make payments to me and my insurnace company after he got out of jail, but it has been 6 years, & I don't expect to ever get it.

Answer 7

The driver of the stolen vehicle will be responsible for any damages..

you may sue the driver of the vehicle..

if you want it fixed immediatly..go to your insurance....

Answer 8

Your insurance does. Coverage is void if vehicle is used in connection with a felony crime.
PS -- this is NOT a comp loss.

Answer 9

Best bet would be if you have coverage on your policy. If not and they caught the thief, contact your local District Attorney and make them aware of your damages. They can have a restitution hearing along with the criminal case.

Answer 10

You.

That's why you should pay the extra $5 a month for uninsured motorist coverage.