Claim question

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Jul 12, 2010

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Baldwin, NY

Asked on 07/12/2010

Claim question My car was reported stolen - however, it was discovered it was really involved in an automobile accident while parked and towed to a repair shop. My insurance company wants to leave the claim as a stolen car rather than make the other driver responsbile for the repairs - why would I leave it as a stolen car and not file a claim with the other insurance carrier???

Answer given on July 13, 2010

You do have the option of going after the other driver’s insurance.  However, you will have to work directly with them. They may not be as cooperative in settling and sometimes it takes longer to resolve the claim.   I’m not sure why your insurance company wants to settle under the stolen car claim, but they may plan to go after the other insurance company after they settle the damages with you. You should talk to your insurance agent and the adjuster so you can understand why they are taking this approach.  It is usually easier to work with your own insurance company rather than the other party’s insurance.    Either way, your rates will not be affected since the loss is in no way your responsibility. 

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption