PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Who pays for damage caused by a stolen car?
I was sideswiped by a speeding car that evaded the scene after the collision. I was informed by police that the driver was apprehended and it was discovered that the car that hit me was stolen—who pays for the damage?
Mary Cahill · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m so sorry to hear about your situation!
Who pays for damage caused by a stolen car depends on a few factors—namely, the types of insurance coverage you carry.
- If you have uninsured motorist coverage or comprehensive coverage, you can file a claim with your insurance company and collect for the damage.
- Collision coverage will pay for any repairs that are needed for your vehicle—but won’t cover medical bills you’re left with as a result of the incident.
- If you’re only carrying the minimum liability insurancerequired by your state, you’ll be tasked with paying for the damage without the help of your insurance provider.
Note that in order to receive any reimbursement from your insurance company, you first must pay a deductible, as well.
The insurance provider for the owner of the stolen vehicle is not responsible for covering any of the damages incurred in the accident because the car was taken without consent. If the car thief is arrested for the offense, you may be able to seek restitution as part of the terms of their criminal sentencing.
Want to make sure you have the best car insurance coverage at a reasonable cost?
Car insurance
and licensed broker genius Jerry
has totally streamlined this process. All you need to do is download the free Jerry app, answer a few basic questions, and in just 45 seconds, you’ll be looking at a list of the most competitive quotes from over 50 top-rated insurance providers. On average, Jerry users save $887 on car insurance!
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies