Should his insurance pay for damages if car was reported stolen right after the accident? 1 Answers as of May 25, 2017

Owner claims car was stolen but keys were in ignition. Car was in accident. The driver ran away.

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Candiano Law Office
Candiano Law Office | Charles J. Candiano
There are no absolutes. Reporting a car as stolen only gives the insurance company an additional reason NOT to pay for anything beyond damage to the insured car. If the car was reported stolen days or hours BEFORE the accident, the owner's insurance is responsible ONLY for damage to his car. If it was reported "stolen" 5 minutes AFTER the accident, it has no effect because the inference is that the car was not really stolen. Rather, the owner or permissive driver was drunk and is seeking to avoid criminal prosecution and loss of license. With RARE exception, It is simply not credible that someone would leave keys in a car, today. Damage to the owner's car is covered either way. The insurance company will hold the accident against you, either way, because they have to pay.
Answer Applies to: Illinois
Replied: 5/25/2017
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