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?

Answer
“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. “
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Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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