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Registered
Join Date: Feb 2007
Location: New York, NY USA
Posts: 4,269
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Teenage dirtbags and a stolen car.... Insurance question?
Why am I so pissed off? I tell you why - I had lend my car to my cousin until he finds a new one..
Older car stolen from the parking lot of the local commuter railroad. Day two - a local cop we grew up with pulls over these two dirtbags teens in my cousin's stolen car. Window is busted, suspension is bent, car is all f*#ked up. Car is shot, now worth $75 at the junkyard. $600 in tools stolen out of the trunk. I doubt either of these kids will see jail time for this. Two questions: #1: If either of these teens had their own car, or (more likely) was named to their parents auto policy - could an insurance claim be made against them? #2: If the stolen car was seen at either house of either dirtbag (a generally nice community with nice homes), could an insurance claim be made against the general liability provision of the homeowners insurance?? Just wondering. 
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07-16-2007, 06:27 AM
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Cars & Coffee Killer
Join Date: Sep 2004
Location: State of Failure
Posts: 32,246
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Sounds like a question for a lawyer.
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Some Porsches long ago...then a wankle... 5 liters of VVT fury now -Chris "There is freedom in risk, just as there is oppression in security." |
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07-16-2007, 07:09 AM
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Registered
Join Date: Aug 2004
Location: New Brunswick, Canada
Posts: 5,472
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Did you lend your cousin a car because his was stolen?
or Did you lend your cousin a car and it was subsequently stolen? Either way, tough break. Hope you/your cousin are able to get recourse. Some punk tried to steal my jetta recently. In my case I wish they had been succesful. Instead, they left me with a VW I couldn't start, the day before I was headed on a 1200 mile trip.
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Jake Often wrong, but never in doubt. '81 911 euro SC (bits & pieces) '03 Carrera 4s '97 LX450 / '85 LeCar / '88 Iltis + a whole bunch of boats |
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07-16-2007, 07:48 AM
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Registered
Join Date: Aug 2000
Location: Palm Beach, Florida, USA
Posts: 7,713
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No and no.
The only insurance coverage that will apply is your personal auto insurance that will cover the loss of the vehicle and your homeowner's coverage that will cover the lost personal property in the car. What was $600 in tools doing in the trunk of a car you were loaning to a cousin?
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MRM 1994 Carrera |
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07-16-2007, 08:29 AM
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Registered
Join Date: Feb 2007
Location: New York, NY USA
Posts: 4,269
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Loaned him a car after his was stolen. Sorry - not clear on that.
He is in the middle of moving (murphy's law at work here someplace) and had been moving stuff in the trunk of his car. |
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07-16-2007, 09:57 AM
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