What happens if someone steals your car and crashes?

If your vehicle was stolen and damaged in an accident, you will have to file a claim under your own insurance policy to recover compensation. This will likely be the same for accident victims as the owner of the stolen vehicle is generally not liable for any injuries or damages caused by the thief.

What happens when someone steals your car?

If your car is stolen, you need to contact law enforcement and file a stolen vehicle report first. Insurers won’t honor an auto theft claim unless a police report has been filed. If your car has a GPS device then you should notify the police as it can help track down the stolen car.

What happens if your car is stolen by someone you know?

However, if your vehicle is stolen by someone you know, such as a friend or family member, the insurance company may require you to prove that the vehicle was stolen and not simply taken without your permission.

Can a stolen car insurance claim be investigated?

Stolen Car Insurance Claim Investigation Theft claims, whether they are in relation to your vehicle or belongings, are always investigated thoroughly by insurance adjusters. Be prepared for recorded conversations with the claim adjuster as part of the company’s standard procedure. Do not take the questions personally.

Can a home insurance policy cover the cost of a stolen car?

While a homeowner’s or renter’s insurance policy may cover the cost of personal belongings stolen in your vehicle, not all will. Some policies may not cover thefts that occur outside your home, so be sure to double-check with your provider.

Who is liable if my car is involved in an accident but I?

Thankfully, in most accidents, damages will be covered by one of the involved driver’s insurance companies. It’s usually whoever was liable for the crash, making a financial recovery more likely. However, what if the person driving one of the vehicles in the accident was not the car owner?

What happens if a stolen car is involved in an accident?

If the driver responsible for the road traffic accident has stolen the vehicle involved in the accident and is identified by the police, then any insurance policy taken out by the owner of the vehicle may compensate innocent victims of injury.

When to call your insurance if your car is stolen?

Even if you only carry liability, you should still call your insurance company, Gusner says, to protect yourself if the thief causes damages to other people or property with your vehicle. Typically, if you weren’t negligent, you’re not responsible for damage caused by the thief.

Can a stolen car be sued by the owner?

Although many people find it hard to believe that anyone injured in a car accident involving a stolen vehicle in Massachusetts would file a claim against the vehicle’s owner instead of the thief driving the vehicle at the time of the incident, anyone injured in an accident can attempt to file a claim with the vehicle owner’s insurance company.

What should I do if my car is stolen from my bank?

Your car may be found after you settle the claim. If so, the car belongs to the insurance company. You should keep making both your insurance and car payments until the case is resolved. A theft doesn’t affect what your bank is owed. That’s why lenders require that you purchase comprehensive and collision coverage.