hello hi
I think that your insurance covers the items that were yours that were stolen, and the company's covers the car damage.
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.
I am sure that theft insurance functions just like collision. The insurance company has the option of repairing the car or declaring it "totalled" in which case they give you fair market value for the car (they do not have to pay it off)
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.
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.
No, that wouldn't be a reason for claim denial. It may be a reason for them to investigate you for insurance fraud.
The second vehicle will be covered by it's own insurance. That company will then attempt to sue the driver to recoup it's losses
Probably because the owner did not exercise normal precautions and by leaving the keys in the vehicle actually participated in its theft. Call that lawyer who advertises on TV. If he can't get the insurance to pay, he'll get a judgment against the owner. The owner of a stolen vehicle is not responsible for the actions of the thief that stole their vehicle. If there is no liability on the owner, the insurance company does not owe the claim for property damage to others.
Either.
No, as long as you have let your insurance company know they car is stolen.
After making a police report, contact your insurance companies claims department right away and report the theft If you have comprehensive coverage on that vehicle, then your loss will be covered under your policy. If you have rental car coverage then the Insurance Company will also pay for a temporary rental car for you to drive. It just depends how much insurance you bought. For vehicle theft claims, It is customary for the Insurance Company to wait a short time to see if your stolen vehicle is recovered for you by authorities.