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 Posted: Wed Sep 03, 2008 1:11 am Post subject: Stolen Vehicle |
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If my vehicle is stolen and I file a theft report advising of such and notify my insurance company that my car was stolen --- am I liable if the suspect(s) cause damage to a third party while in possession of my stolen vehilce? Is there case law for California regarding no liability?
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| Posted: Wed Sep 03, 2008 2:52 am Post subject: |
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| You would not be liable as the person did not have a reasonable belief that you allowed him/her to use the vehicle and you had no control over the operation of the vehicle. |
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tcope
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| Posted: Wed Sep 03, 2008 3:19 am Post subject: |
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No you will not be responsible for the damages caused to the other party because the vehicle was stolen from you.
The damages were caused by the 'non-permissive driver', which is not covered in your auto policy. The other driver is required to file the claim with his insurer under the uninsured motorist coverage.
Hope the information helps.
~Jeremy |
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JeremyHolter
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| Posted: Wed Sep 03, 2008 3:38 am Post subject: |
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Most likely the insurer will decline the claims against your policy. I agree with Jeremy, it'll be considered as the non-permissive use of the vehicle. I'm sure that California has no different law regarding this issue.
Inform your insurer and also get hold of the police report. It'll act as the supporting document for you.
Have you been contacted by the other driver regarding the damages caused to his vehicle? |
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RupertWBradson
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| Posted: Wed Sep 03, 2008 4:12 am Post subject: |
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Hi all...there are certain things that you'd need to remember regarding auto theft-
* Look for legal counseling
* You'd need to know about the differences between auto theft rules & the federal laws
* Learn more about the differences between the thefts of different magnitudes
Regards, ArindamSenIndies |
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ArindamSenIndies
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| Posted: Wed Sep 03, 2008 4:18 am Post subject: |
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Hi there,
It is also important to know the following:
* Know the dealings with the repeating offenders
* Learn more about the theft penalties as per the California penal code.
* Get in touch with the National Centre for the victims of crime to know more about the assistance offered to such victims. Fatman |
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fatman
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| Posted: Wed Sep 03, 2008 9:57 am Post subject: |
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In a 'true' theft you will not be held liable for what the theif does with your vehicle. period.
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Lori
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| Posted: Tue Sep 23, 2008 10:02 pm Post subject: |
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i dont think you will be responsible. the same thing happeend to a friend and they just added the charges to the person who stoled and caused the damages.
good luck.
auto insurance |
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ngreene66
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| Posted: Tue Sep 23, 2008 11:57 pm Post subject: |
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Ditto. Ditto. Ditto. If you did not give permission for him to take your car, then you are free and clear.
Since the car was stolen, you obviously didn't give him permission.
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LifeIsGood
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| Posted: Sun Oct 05, 2008 5:07 am Post subject: |
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there is no fault on your side.car was stolen from you.you are not responsible for the damage occured to third parties
addcentra.blogspot.com
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kiran
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| Posted: Mon Oct 06, 2008 4:48 pm Post subject: |
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| My sister in law had her vehicle stolen and they took it four wheeling. There was quite a bit of damage done to the vehicle and the ins. company refused to pay....wanna know why???? They admitted to leaving the keys in the console...homeowners wouldn't cover it either. |
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fireyone
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| Posted: Mon Oct 06, 2008 5:10 pm Post subject: |
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Ouch. Yeah...if you don't take proper precautions to safeguard your property...
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LifeIsGood
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| Posted: Mon Oct 06, 2008 5:11 pm Post subject: |
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| Quote: | | company refused to pay....wanna know why???? They admitted to leaving the keys in the console...homeowners wouldn't cover it either. |
I doubt this was really the reason or the denial is obviously incorrect to anyone. There are no exclusions on the policy that even come close to what you mentioned.
I think it more likely that the claim was excluded as there was an indication that it had not been stolen. |
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tcope
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| Posted: Tue Oct 07, 2008 12:48 am Post subject: |
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Really? This how my sister in law put it. I believed it cause it sounded pretty logical..I mean if you are stupid enough to leave the keys...and in the vechicle itself??
I can't say what really happened cause I personally do not deal much with that side of the family..only at dreaded reunions but they did have all their locks changed just in case any copies of their keys were made. |
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fireyone
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| Posted: Tue Oct 07, 2008 1:02 am Post subject: |
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Stories like this that makes me happy I'm an only child. 
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LifeIsGood
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