In car accidents, normally the at-fault driver and their insurer are responsible for paying compensation to claimants. When a stolen vehicle is involved, however, it can become difficult to determine who is liable for the property damage and injuries. This article will help to clarify liability in this type of situation and explain hit by stolen car who pays.
In most cases, the thief will not have insurance coverage (since people who steal cars are often broke and may not have enough assets to pay a judgment). This means that the only way you can receive payment for your damages is from your own auto insurance provider if you have collision or uninsured motorist property damage (UM/UIM) coverage. In some states, this type of coverage is mandatory while in others it is optional.
UM/UIM insurance will usually cover property damage and medical expenses after you pay your deductible. You will have to report the accident to your car insurance company and provide them with any information you can remember about the driver and the vehicle, such as its license plate number or make and model.
You may also be entitled to special damages, such as reimbursement for out of pocket expenses, but you will need to prove that these were incurred and that they were related to the crash by providing proof such as receipts, bills or bank stamens. If you are hit by a stolen car, it is important to contact an experienced attorney as soon as possible to understand your legal rights and options.