Texas accident a stolen car damages a fence so who is resposible?

Question

I live in Texas and a neighbors vehicle is stolen and the reported thief wrecks into my metal pipe fence causing estimated $1500 in property damages. The thief flees the scene an is never caught. I file for property damage and claim is denied due to being a non permissive driver. Should then there not be a theft of auto report to attached at some point , maybe a reference number? There is no mention of it in the accident report at all?

Highway Patrol responded and wrote the accident report said to call the County Sheriffs Office to see if there was a theft report made saying they do not handle the criminal side (???beats me)
No theft report. I guess its up to the owner to report or not. Seems with the owner claiming no one given permission to drive & whether stolen or not, I am stuck with the damages. I have no home owners either.
One last thing which makes no difference i suppose but here goes. The thief(if one) steals a extend cab p/u from a well lit driveway at 1:31 a.m. as the owner states in accident report . Speeding down a 100 foot gravel driveway headed West and failing to control his speed goes straight across the roadway between two mail boxes into a maybe 20 foot wide ditch. The driver then over corrects(a 14 foot truck in a 20 foot ditch) sending him headed after a full 180 deg. directly back East and into a 25 foot ditch and coming to a dead stop in my fence. driver flees and escapes unidentified.

Hwy. Patrol responded and wrote the acc. report said to call the County Sheriffs Office to see if there was a theft report made saying they do not handle the criminal side(?)
No theft report. I guess its up to the owner to report or not. Seems with the owner claiming no one given permission to drive & whether stolen or not, I am stuck with the damages. I have no home owners either.
One last thing which makes no difference i suppose but here goes. The thief(if one) steals a extend cab p/u from a well lit driveway at 1:31 a.m. as the owner states in accident report . Speeding down a 100 foot gravel driveway headed West and failing to control his speed goes straight across the roadway between two mail boxes into a maybe 20 foot wide ditch. The driver then over corrects(a 14 foot truck in a 20 foot ditch) sending him headed after a full 180 deg. directly back East and into a 25 foot ditch and coming to a dead stop in my fence. driver escapes unidentified. 30 min later police called.

Answer 1

As an insurance adjuster I have handled many claims like this (including Texas in the early 90's). I have never worked for an insurance company where we were allowed to deny a claim based on theft without having a valid theft report on file with the Police Dept. If there is no official theft report then I would dispute the denial. A denial of payment to you is legit if there is a police theft report on file. In some cities the theft report is separate from the accident report. Since your property was damaged you should have the right to know if there was a theft report filed. If you haven't already done so call the local police and ask them.

You always have the choice of using your own homeowners coverage but then you have that pesky deductible.

Good Luck

Answer 2

Your home owners insurance is not paying out? Regardless of who is driving your fence is dammaged no fault of your own. I live in Fort Worth. Bummer dude call your home owners agent.

Answer 3

The person that stole the car is responsible for all damages, per Texas law.

Answer 4

see your local police depart, "if" the auto was reported stolen they will have a copy of that report. Good luck

Answer 5

how do i check if a car has been stolen