After being involved in a car accident, individuals generally have the chance to file a claim for damages against the other driver’s insurance. However, if you were in a collision with a driver who was in a stolen vehicle, you may have to rely on uninsured motorist coverage.
Uninsured motorist coverage aids in rapidly acquiring compensation for accidents where you cannot access the other driver’s insurance, including in hit and runs and collisions with stolen vehicles. Additionally, if the driver of the stolen vehicle is apprehended but does not have insurance, your uninsured motorist coverage can still help cover the costs of the damages.
Typically, these accidents include negligence on the part of the driver of the stolen vehicle. However, reaching out to a seasoned car wreck attorney is strongly recommended, as establishing this negligence on the part of the owner is vital to acquire a fair settlement.
The owner of the stolen vehicle is not typically held financially responsible for injuries and damages that the thief caused. However, if it is proven that the owner was negligent in some way, such as leaving the keys in the car, or giving permission to the driver to operate the vehicle, the owner may be held responsible for the damages the driver caused in your accident. In some cases, the owner might also falsely report a stolen car when it was lent to a friend or relative in an attempt to reduce their liability for the damages.
Getting into a car accident can already bring a financial and physical toll. However, if the accident was caused by an individual in a stolen vehicle, you may not know how to proceed. Fortunately, an attorney versed in this area of law can help.
If you have any questions or concerns about how to file claims when involved in a car accident, contact Hammers Law Firm today for a free consultation.