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re: Your car is stolen and gets in a wreck
Posted on 8/3/20 at 9:23 pm to Janky
Posted on 8/3/20 at 9:23 pm to Janky
Speaking from informed point of view.
Your insurance would deny liability if it was a straight up theft. Your comprehensive coverage would cover the damages to your vehicle.
Now if this is something to where it’s an old friend or family member who grabbed the keys without you knowing there would likely be implied permission of use and your insurance would be on the hook for liability. It’s a case by case situation.
But for a theft of a vehicle by some criminal off the street there is no liability against the owner. Liability laws on this vary state by state
Your insurance would deny liability if it was a straight up theft. Your comprehensive coverage would cover the damages to your vehicle.
Now if this is something to where it’s an old friend or family member who grabbed the keys without you knowing there would likely be implied permission of use and your insurance would be on the hook for liability. It’s a case by case situation.
But for a theft of a vehicle by some criminal off the street there is no liability against the owner. Liability laws on this vary state by state
This post was edited on 8/3/20 at 9:23 pm
0
Posted on 8/3/20 at 9:23 pm to YF12
quote:
It in general follows the car
If you let your friend borrow your car then its your insurance covering the car
It follows both to some extent. Your personal liability follows you. Permissive use deals with the car, but really you too.
Posted on 8/3/20 at 9:23 pm to boosiebadazz
So, I am sleeping and someone steals my car then runs into someone else. I am subject to a being sued?
FTR: this isn’t about me. It was a question I was presented with today.
FTR: this isn’t about me. It was a question I was presented with today.
Posted on 8/3/20 at 9:23 pm to DiamondDog
quote:
You insure drivers not vehicles. The thief is on the hook.
What
This thread is showing who has added children to insurance and who hasn't.
Posted on 8/3/20 at 9:23 pm to YF12
quote:
If you let your friend borrow your car then its your insurance covering the car
That’s quite different in the eyes of the law than the scenario provided by OP wherein the car was stolen.
Posted on 8/3/20 at 9:23 pm to YF12
quote:
It in general follows the car
If you let your friend borrow your car then its your insurance covering the car
Correct, however they have to be legal to drive otherwise, as in can legally drive by having their own policy with the legal limits of liability and all other legalities checked...valid DL, etc...
You do have to be careful in this also due to the fact that an accident under permissive use can go on your record. This is to insure you don't just lend your car out to someone who isn't responsible.
Lol @ the poon who downvoted me!
This post was edited on 8/3/20 at 9:30 pm
Posted on 8/3/20 at 9:24 pm to trident
quote:
The thief is on the hook.
Good luck with that
Posted on 8/3/20 at 9:25 pm to boosiebadazz
quote:
The big question to ask is whether the the driver of the vehicle had the permission of the owner to drive it. And then you better hope the driver isn’t an excluded driver on the policy.
I was rear-ended this year with this situation. Sucks
Posted on 8/3/20 at 9:26 pm to Janky
quote:
So, I am sleeping and someone steals my car then runs into someone else. I am subject to a being sued?
You can be sued for anything. If it was an actual theft the attorney provided by your insurance would have no issue obtaining a summary judgment in your favor.
This post was edited on 8/3/20 at 9:27 pm
Posted on 8/3/20 at 9:26 pm to boosiebadazz
Whew!
Posted on 8/3/20 at 9:27 pm to Janky
quote:
I am subject to a being sued?
Operative word is subject. Technically you’re subject to being sued over any number of decisions you make and transactions you enter into over the course of a day.
But I wouldn’t worry too much about having a judgment cast against you if your car got stolen. You could make up a law school hypo of you being in an area you know to be high crime and leaving it unlocked with the keys in it and maybe even mentioning to the crackhead that you’re just running inside for a bit and to watch your car... but third party criminal activity is generally going to break any chain of causation for you
This post was edited on 8/3/20 at 9:30 pm
Posted on 8/3/20 at 9:28 pm to slackster
quote:
I gave you 5% wiggle room out of respect.
Posted on 8/3/20 at 9:29 pm to Janky
Assume the thief crashed into other cars while on his spree. Does your liability insurance cover those cars? No. To be insured under your policy, the driver must be a named insured or driving with the permission of the named insured. The thief does not have your permission.
You are not personally liable to any of those victims, either.
You are not personally liable to any of those victims, either.
Posted on 8/3/20 at 9:32 pm to boosiebadazz
Get Boosie, the Napoleonic Uzi
Posted on 8/3/20 at 9:32 pm to Crimson1st
Nope, UM is for bodily injuries sustained that are over the liability limits of the third party drivers coverage. UM does not cover damage to autos Unless you don’t have comprehensive and elect to purchase UM property damage coverage ($15 per year on avg).
Posted on 8/3/20 at 9:32 pm to Janky
Depends.
If your car is truly stolen and the driver runs into someone else and injures them or damages their property (or both), you are not responsible and unless someone fricked up writing your policy, neither will your insurance company.
Of course, that won't prevent some piece of shite lawyer from suing you.
However, if you have comprehensive coverage, you will be able to recover for the damages to your vehicle.
If your car is truly stolen and the driver runs into someone else and injures them or damages their property (or both), you are not responsible and unless someone fricked up writing your policy, neither will your insurance company.
Of course, that won't prevent some piece of shite lawyer from suing you.
However, if you have comprehensive coverage, you will be able to recover for the damages to your vehicle.
Posted on 8/3/20 at 9:36 pm to Janky
quote:
Let’s say your car is stolen and gets in a wreck. Who’s insurance is on the hook? Also, as the owner are subject to a lawsuit?
Just sue to police that was chasing them. Problem solved.
Posted on 8/3/20 at 9:39 pm to boosiebadazz
Jesus Christ these threads make my head hurt.
Posted on 8/3/20 at 9:41 pm to Janky
Liability follows driver, not car.
Comp and collision (if any) follow car.
Comp and collision (if any) follow car.
Posted on 8/3/20 at 9:47 pm to CaptainsWafer
quote:
Jesus Christ these threads make my head hurt.
Its possible that every one here has different language in their policy
All the way from no one is allowed to drive unless added to the policy to everyone you want to grab the keys is blanket covered by you and you dont need to even add those that live with you.
Only generalities can be made.
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