Who is responsible when stolen car hits your car? Normally, the insurance for the car (now stolen) that hit your car covers any damages. However, if your car is hit by a stolen car, there is almost always no insurance available from the at-fault vehicle in this case.
The thief’s car insurance would normally cover your damage but in all likelihood, the thief has no car insurance.
Who is responsible when stolen car hits your car?
When a stolen car hits your car, you have to rely heavily on your auto insurance policy since the thief may not have insurance for the stolen vehicle.
Since you are not at fault, your insurance premium will not increase. So, ensure to inform your insurance company immediately. If your rates go up, however, you can file a complaint.
A stolen car is typically reported to the police and the insurance company. When the stolen car is involved in an accident with your car, obtain a copy of the accident report so that your insurance quickly reimburses you for the property damage.
If the police arrest the driver of the stolen vehicle, you can seek restitution for damages as part of the plea agreement of the defendant with the District Attorney’s office or through their sentencing by the court.
What if the car was borrowed?
A car owner is only responsible for their car hitting yours if they knowingly loaned their car to another person and it was not actually stolen.
File a claim with the insurance company of the car owner. A thorough investigation by the police and department and the applicable insurance carrier will determine whether that is possible.
Who repairs your car hit by a stolen car?
Your auto insurance company will pay for your car repairs if have collision coverage. However, you have to pay for your deductible. Nonetheless, it is better to pay a few hundred dollars instead of a few thousand.
If you do not have collision coverage, you are responsible for footing the bill to repair your car.
Who pays your medical bills?
Your medical bills will be paid under coverage up to $2,500 to $35,000 in a state that requires PIP (Personal Injury Protection). This also depends on your purchased coverage.
If you have no PIP or exceeded the PIP coverage, your medical bill will be covered by your health insurance to treat your accident injuries. You will be required to pay the applicable deductibles and co-pays.
If you have no health insurance or PIP, there may be available programs to leverage in your state. In Washington, for example, you can be covered by the crime victims’ compensation program.
UM insurance for pain and suffering
If you purchased unisured motorist (UM insurance) on your auto insurance policy, it covers this situation since the at-fault vehicle has no insurance. UM insurance assumes the responsibility of the at-fault driver and covers the incident.
UM insurance covers lost wages, medical bills, and other losses, including pain and suffering up to the purchased limit.
UM insurance only pays once, so complete all injury treatment and ensure that you are fully healed before discussing settlement with the UM insurance adjuster. UM insurance will not pay lost wages while you are at home recovering, or medical bills during the treatment.
Contact an attorney
Talk to an experienced attorney in your state when your car is hit by a stolen car. An experienced attorney knows the ins and outs of situations like this, so contact one to your legal rights before dealing with all of the items discussed above.