Insurance companies don't determine liability. They only determine what they want to pay for. So expect the other guy's insurance to say the car was stolen because they don't have to cover the thief.
The thing is, the "thief" "took the car" using the car-keys that belonged to the owner, right? This means he "had access to the car" and it's an important buzz-phrase.
Car-insurance companies have problems insuring people who live with licensed drivers but who swear, "Oh No! They won't drive the car! Honest". The reason is: they're covered by the insurance if they are ever lent the car, and you know they will be.
And you know the thief is going to say he was lent the car so he can get off on the stolen vehicle. If he was lent the car before, then it's case closed.
And even if it's not, youre not so much as paying a deductible as much as youre just fronting it until the correct bastard gets sued by your insurance company and get reimbursed.
(no subject)
Insurance companies don't determine liability. They only determine what they want to pay for. So expect the other guy's insurance to say the car was stolen because they don't have to cover the thief.
The thing is, the "thief" "took the car" using the car-keys that belonged to the owner, right? This means he "had access to the car" and it's an important buzz-phrase.
Car-insurance companies have problems insuring people who live with licensed drivers but who swear, "Oh No! They won't drive the car! Honest". The reason is: they're covered by the insurance if they are ever lent the car, and you know they will be.
And you know the thief is going to say he was lent the car so he can get off on the stolen vehicle. If he was lent the car before, then it's case closed.
And even if it's not, youre not so much as paying a deductible as much as youre just fronting it until the correct bastard gets sued by your insurance company and get reimbursed.