What happens when someone steals your car and crashes it?

Legally, you are not liable for the car damages to the other person’s car (or bodily injury to a person) IF your car was stolen and involved in a hit-and-run traffic accident. Furthermore, since the car was stolen, your insurance company is not obligated to cover the damages caused by the actions of the thief either.

What happens if you lie about your car being stolen?

California Vehicle Code 10501 VC prohibits a person from making or filing a false or fraudulent report of an auto theft. A first-time violation is a misdemeanor punishable by up to 6 months in jail and fines of up to $1000.00.

Does having your car stolen affect your insurance?

Myths. One myth about insurance is that when a car is stolen, a person’s rates automatically rise. This isn’t true. In fact, unless someone is insured for comprehensive coverage, the insurance company will not even have to pay on the theft.

Can you sue car thieves?

Not only can a car thief be convicted of grand theft auto, but he or she can also be sued in a civil trial for any damage to the vehicle, as well as punitive damages. The amount that can be claimed in a civil trial varies from state to state.

How do I find out if a car has been reported stolen?

NICB’s VINCheck is a free service provided to the public to assist in determining if a vehicle has been reported as stolen, but not recovered, or has been reported as a salvage vehicle by cooperating NICB member insurance companies. To perform a search, a vehicle identification number (VIN) is required.

What happens if you get caught lying to insurance?

You could face criminal penalties. A false insurance claim can lead to jail, substantial fines, and a permanent criminal record. Lying to your insurance company could seem like a good idea at the time, but in reality, it’s a form of insurance fraud.

Does a stolen car affect no claims?

A no claims discount (NCD) is a great way of reducing the cost of your car insurance. Unfortunately if your car is stolen and isn’t returned by police, your no claims discount will suffer. Any time you are forced to make a claim to your insurer that results in a payout, your NCD will be affected.

Who pays for damage to a stolen car?

Liability for Harm Done By a Stolen Vehicle After an accident, typically the at-fault driver is responsible for the cost of any injuries and damages. However, when the driver of a stolen vehicle is to blame for what happened, neither the owner of the stolen vehicle nor his or her insurer will be liable.

What happens if you let your car get repossessed?

Alternately, the lender can sell the repossessed vehicle or auction it off. If the lender sells the car for less than you owed on it, you can be sued for the difference between what the car was sold for and what you owed on it. This is called a deficiency and is true even in what is called a voluntary car repossession.

How can I report that my car has been stolen?

Find Out if Online Reporting is in Your City. Find out if your city or town has online police reports by going to the city’s web page or the police

Click the Link. Click on the link to file a police report and specify that you are reporting a stolen car.

Enter Vehicle Information.

Enter Your Information.

Submit.

What does insurance do after your car is stolen?

Contact Insurance Company and File Claim. Your insurance company cannot do anything about your stolen car until it knows it’s been stolen.

Rental Car Provided.

Car Recovered and Damages Repaired.

Cash Value Paid When Car Not Recovered.

What to do if your vehicle gets repossessed?

If you want to get your car back after repossession, you have several options: Redeem the car or reinstate the loan (if allowed in your state or by contract). Wait until the sale and attempt to bid on the car at auction. Negotiate with the with the creditor to try to get the car back.