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Does it matter to insurance companies if a stolen car's driver is caught or not?
I was hit by a driver who had stolen a car. I have liability and uninsured motorist, and my insurance company said they would cover the accident if the driver was uninsured. I need to get a rental car soon. Is it necessary for them to actually catch the driver? Or can my claim proceed without it?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Before your insurance company will pay for damages, they need to find out if the driver is actually insured. This means that the driver needs to be caught.
Uninsured motorist coverage
only kicks in when the other at-fault driver does not have insurance. Depending on the driver’s situation and who the vehicle belongs to, you may not be eligible for this coverage.Insurance companies follow a specific process when claims are filed, and since they haven’t identified the driver, they can’t move forward.
If you need a rental car, you can reach out to your insurance company to see if they would cover it as loss of use. If not, you may be reimbursed for the rental car if your claim is approved in the future.
“
View full answer
- Gregory R.
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