An automobile accident’s aftermath is already stressful, but it takes on a whole new level of complexity when you find out the individual who hit you was operating a stolen vehicle. If a carjacker causes an accident while driving a stolen vehicle, they will usually leave the scene to avoid getting caught. The car’s owner can’t be held responsible for the theft because they didn’t grant the criminal permission to drive off with the vehicle. It’s not hopeless though; you have legal recourse to financial restitution. An automobile accident attorney at Groth & Associates can help you understand them and pursue compensation in the event of an accident.
Insurance for Criminals
The insurance company of the negligent motorist is liable for paying any damages incurred in an accident. This idea still stands, even if the person who caused the accident stole the car they were driving. There’s a chance the insurer won’t pay up because the crook was breaking the law when the mishap occurred. Unfortunately, this might make pursuing compensation from the thief’s driver a daunting task.
Claiming damages from the thief’s insurance could be difficult because they could not have stayed at the location of the incident. When this occurs, determining which insurance provider to file a claim with can be a major headache. Even if the authorities are unable to locate the driver, you should be prepared to pursue a claim against their insurance.
Indemnity Provided by One’s Own Insurance Agency
While the state of Ohio does mandate some kind of car insurance, the bare minimum policy is only enough to cover medical expenses and lost wages in the event of an accident, as well as any damage to another person’s or property. If the thief who took your car cannot be located, your insurance company will not pay you. If you have the right kind of insurance, though, your own company might pay for your medical bills instead.
Depending on the terms of your policy, uninsured or underinsured motorist protection may apply if the at-fault driver failed to stop at the scene of an accident (UIM). If you or your passengers are hit by a driver who then disappears without leaving behind any contact information, this type of insurance will help pay for medical bills and repairs to your vehicle. This policy will also protect you if a thief drives off in your car.