What happens if a car is stolen while you're borrowing it?

"What should I do if insurance says they won't cover damage on a stolen vehicle? My friend said I could borrow her insured car while she was out of the country. The car was stolen while I was at work two days ago. It's been recovered, but now she's saying that the damage isn't covered by her insurance."

Answer provided by
Emily Maracle
Answered on Jun 22, 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.
“If your friend has comprehensive insurance, her insurance should cover the damage that occurred from the theft. As you had permissive use, most insurance policies would cover the damage minus her deductible.
However, every company is different. Since your friend knew you would be borrowing her vehicle while she was gone, she may have needed to add you as an additional driver. This would have ensured that you were covered in an accident or event like this.
She will need to reach out to her insurance and see what can be done. She should explain that she gave you permission to use the vehicle.
If they still refuse to cover the damage, the cost of repairs would be out of pocket. If the police can find who stole the vehicle, you may be able to file a lawsuit against them for the damages.”

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