Comprehensive Automobile Insurance Coon Rapids, Minnesota MN
Reader’s Question:
My boyfriend’s vehicle was stolen and hit another vehicle. His insurance company in Coon Rapids, Minnesota will cover his vehicle since she got full coverage with comprehensive coverage on his vehicle insurance. But the insurance provider denied the coverage for the other car that was hit. Why?
Victor
Coon Rapids, MN
Your boyfriend’s comprehensive coverage in Coon Rapids, Minnesota should cover his vehicle since it was stolen. If the vehicle was recovered the insurance company will determine if the vehicle will be declared a total loss or if it can be fixed.
Insurance providers will typically not pay for such damages to other vehicles which were hit while a car was in control of the individual who stole it. The thief that stole the car did not have permission to drive the car. Insurance providers always deny insurance claims if the individual driving the vehicle was an unauthorized driver.
Generally your boyfriend will not be held liable for the damages caused while the car was out of his control and being driven by the thief. If the individual that stole the vehicle is found, he should be held liable for their actions while in the car that they took without permission.
There is usually no liability on the car owner of a stolen car since they cannot be held liable for what a thief does in their car, thus the owner’s insurance carrier would not owe on the property damages insurance claims of others made by the thief.