i have full coverage from nationwide. the man that took my car was charged with dui, and driving on suspended for dui, and leaving the scene he hit a man who was parked on an atv in his driveway. then brought my stolen car back to my house. so far the cops have not charged him with joyriding.
2007-05-10 11:22:31 · 8 answers · asked by brandi g 2 in Cars & Transportation ➔ Insurance & Registration
There are 2 separate issues here.
First your car. If you indeed have "full coverage," your insurance will pay for the damage to your car after you pay your deductible. I use the term "full coverage" in quotes, because in every state, and even for every driver, "full coverage," may mean something different. I am assuming you mean you have collision coverage, which is what applies to this situation.
The second issue is the liability since someone else was hit. Different states have different laws on this matter, however, most states waive your liability since your car was taken without your permission. This means the accident victim cannot and will not make any claim against you. Please be sure to check with your insurance company to verify that your state of residence applies the law in this manner.
2007-05-10 13:18:12 · answer #1 · answered by Brad D 2 · 0⤊ 0⤋
The cops don't need to charge him with joyriding unless you decide to press charges. He did, afterall, bring the car back to your house.
Personally, I'd call the cops (non emergency number) and tell them when they have some time could they come over so you can file a police report. Offer to go to the police station if that's an option. Tell them while they write the report that you want to press charges.
2007-05-10 11:28:03 · answer #2 · answered by Zeltar 6 · 0⤊ 0⤋
That is not joyriding. That is grand theft auto. YOU need to go down to the police station and tell them you want to press charges. Your insurance company may pay, but they will want to be able to go after this guy for the money. You need to find out what you can do to help them get the guy. If they are going to sue the guy, make sure they also ask for your deductible.
2007-05-10 11:48:44 · answer #3 · answered by forgivebutdonotforget911 6 · 0⤊ 1⤋
It depends - this person that drive your vehicle - did you give him permission to drive your vehicle? (Regardless of if he was DUI or joyriding?) If he had permission from you to drive the vehicle, then yes your insurance would cover it. If not, this would be considered someone stealing your vehicle - your insurance company would require proof this person stole your vehicle - such as you file a police report - and that should release you and your insurance company from responsibility.
2007-05-10 11:27:27 · answer #4 · answered by S17V 4 · 1⤊ 0⤋
How about telling us the ENTIRE STORY first?
What kind of auto thief takes a car, and brings it back to the owner's home?
Sounds more like you willingly lent it to somebody and then regreted it.
Good Luck!
.
2007-05-10 12:02:51 · answer #5 · answered by rob1963man 5 · 0⤊ 0⤋
Yes it will. But I would still press charges against the guy if I were you.
2007-05-10 11:30:52 · answer #6 · answered by Anonymous · 0⤊ 0⤋
If your vehicle was stolen and damaged, and you have full coverage, yes.
2007-05-10 11:36:08 · answer #7 · answered by oklatom 7 · 0⤊ 0⤋
Yes, just as long as you have full coverage.
2007-05-10 11:26:35 · answer #8 · answered by unclelar 1 · 0⤊ 0⤋