Believe it or not, auto accidents involving stolen vehicles are a far too common occurrence in the Memphis and Mid-South area. The question then becomes who is responsible for damages if you are struck by a driver in a stolen vehicle or are you possibly liable for damages if your car is stolen and subsequently involved in an accident.
Getting Hit By A Stolen Car
If you are struck by a driver of a stolen vehicle you will most likely have to rely on your uninsured motorist insurance coverage to pay for damages. Uninsured motorist coverage will cover the property damage to your vehicle and any injury claims. If you do not have uninsured motorist coverage, you may have to pay out of pocket for any damages. If the driver of the stolen vehicle is arrested, you can possibly seek restitution for damages as part of the defendant’s plea agreement with the District Attorney’s office or thru his/her sentencing by the court.
If the driver of the vehicle had borrowed, and not stolen, the involved car then you may be able to file a claim with the owner’s insurance. Whether that is possible will only be answered after a thorough investigation by the Memphis Police Department and the applicable insurance carrier.
If Your Vehicle Is Stolen
If your car is stolen you must report it to the police immediately and notify your insurance company as soon as possible. If said vehicle is subsequently involved in an accident then you should obtain a copy of the accident report so that insurance can quickly reimburse you for the property damage. The only time an owner would be responsible for such an accident is if he/she knowingly loaned their vehicle to another person and it was not “actually” stolen.
Our Auto Attorneys Are Here To Help
The Chiozza Law Firm has a team of experienced auto accident attorneys who are always available to answer your questions. Accidents involving stolen vehicles can only complicate what is already a difficult situation. From the beginning of an accident claim, we want to handle the investigation and preliminary work so that you can concentrate on your health and well-being. Call (901) 526-9494 for a free consultation. We will do our best to answer any questions and to assist in investigating the accident and pending claim on your behalf.
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