I went to the convenice store on the way to work, went in the store got a drink (inside for only 2-3 minutes) went back out car was gone,i left the car running. Will the insurance company cover the car? We have full coverage, i think im on the policy but maybe not and my license is suspended, we also still owe money to the financial company,will insurance cover, and what happens if they dont find the car? And has anyone seen it. HEELLPP WE are also both registered owners of the vehicle. He's the main one the insurance policy. Does it matter i have a suspended license?
2007-01-10 18:50:57 · 10 answers · asked by ~Shy_Girl~ 1 in Cars & Transportation ➔ Insurance & Registration
The fact that your licence was suspended would not matter as this claim would be payed under Comprehensive coverage, and Comprehensive coverage deals with all damage which was not caused by an accident. Keep in mind Comprehensive also covers accidents with flying or falling objects as well as collision with animals, so a valid licence would be required if the car was being driven at the time. Since the car was not being driven, my opinion is the the theft would be covered (whether the car was running or not is irrelevant). You will have to check your policy wordings to confirm all of this of course.
HOWEVER, you will have to report this theft to the police, which means they will want to know how it got to the store, so you will have to admit you drove while under suspension, which means get ready for a hefty fine. Plus once this is reported and the insurer discovers all the details, the insurer may decide your licence suspension is a material change in the risk which means a few things may happen: a) the insurer voids the policy, which means the theft claim will not be paid; or b) the company maintains the policy, pays the claim, excludes you from the policy as an operator until your licence is reinstated, and when your licence is reinstated they will then surcharge your rates big time because of your 'Diving While Licence Suspended' ticket.
You have two options as far as I see: a) To not report this and hope the vehicle is never recovered, or else the police will come knocking and then you'll be in a worse situation. Of course this means you will have to continue paying off a vehicle you don't have, plus you will have to continue paying the insurance for the vehcile as the finance company will want the vehicle insured at all times; or b) Report the theft to the police and your insurer, take the hits for driving while suspended and the increase in your rates and hope your insurer doesn't void your policy, and doesn't find some other way of not paying the claim. There is no win-win option for you however.
2007-01-14 13:54:40 · answer #1 · answered by Gambit 7 · 0⤊ 0⤋
There's a good chance that your insurance will NOT cover the theft since you left the engine running. Leaving the engine running is just asking for it to be stolen.
And as your license is suspended the insurance coverage is normally void if you are driving it.
With both of these situations in play, it doesn't look good that you will get anything from the insurance company. Pray that the cops recover it and that it isn't seriously damaged when they do.
2007-01-11 05:22:04 · answer #2 · answered by Bostonian In MO 7 · 0⤊ 0⤋
Insurance goes with the car, not the driver, so if you were driving with permission, and had a valid license, and took what would be considered normal steps to secure the vehicle while under your control, it's covered.
Permission? Yes (hopefully)
Valid license? No
Took normal steps to protect? No.
Prepare to pay the finance company for a car you no longer have, without help from insurance.
2007-01-11 03:23:30 · answer #3 · answered by oklatom 7 · 0⤊ 0⤋
i dont think so if you were driving, ya have to be a licensed driver for insurance to be valid but with nobody in the car, could be different. as far as the leaving it running part, yes insurance companies will cover it but will make ya go through alot because this is one way that they are frauded by people not wanting there cars anymore leaving em running and hoping someone will steal it. i would check with your insurance company by using a freinds phone and do not give your name or policy number, call the claims department and just ask them without giving them any info on whos car it is
2007-01-11 03:12:36 · answer #4 · answered by mark 2 · 0⤊ 0⤋
Yes it matters--because the car was left running, you were still considered in control of the vehicle. You abandoned the vehicle under your control. You are not covered--because policy's state "licensed drivers while operating.........". If you had just turned off the car and taken the keys. If they had stolen it then you would be covered under theft ;and were not in control of the car at the time.
2007-01-11 03:19:34 · answer #5 · answered by redrepair 5 · 0⤊ 0⤋
I'm sorry, but no, i don't think that the insurance company will cover you, especially because the car was left running
2007-01-11 02:57:16 · answer #6 · answered by Eddy 2 · 0⤊ 0⤋
I doubt the insurance company will compensate. First, u shldn't be driving, and worst of all, u left the engine running when ur not even inside the car. Big NO!
2007-01-11 03:00:06 · answer #7 · answered by DooGie 3 · 0⤊ 0⤋
Honestly, I don't think you should let them know the keys were in it and it was running. Maybe a little white lie on the police report and you "forgot." Also as far as the financial part involved, as long as your insurance is paid up you should be fine. On the policy or not you should be covered, but really you shouldn't let them find out teh keys were in it.
2007-01-11 04:54:52 · answer #8 · answered by Jay B 1 · 0⤊ 2⤋
Will cover only as per name registered in their record that too if all criteria satisfies.
2007-01-11 05:20:35 · answer #9 · answered by Anonymous · 0⤊ 2⤋
No, you and your brother have major problems.
2007-01-11 03:00:16 · answer #10 · answered by Anonymous · 0⤊ 0⤋