I think that your insurance covers the items that were yours that were stolen, and the company's covers the car damage.
Either.
Comprehensive insurance covers theft. Liability & Collision do not.
yours
You or your insurance company. The owner of the stolen vehicle would not be responsible because their vehicle was stolen and the driver of the stolen vehicle's insurance would not cover it because he was driving a vehicle that was not on his policy and he did not have permission to drive.
It is other than collision insurance. It covers hail, stolen vehicle, hitting an animal, and vandalism.
You must have comprehensive coverage in order to recover on a claim from your insurance company if your vehicle is stolen. Liability only is just that, liability for your legal liability for damage or injuries to others.
You should report the theft immediately to the police and to the car owner's insurance company.
hello hi
Unfortunately, there is nothing you can do with your insurance company. If you only have liability insurance, they do not pay anything to have your vehicle replaced.
Commercial property insurance.
It is different from regular insurance because it covers you for the difference between your car's value, and what you owe on it if you have an accident that totals the car, or the vehicle is stolen. If you are making payments on the vehicle, and you owe more than its value, your GAP insurance will cover the difference.
No, that wouldn't be a reason for claim denial. It may be a reason for them to investigate you for insurance fraud.