If my son stole my car and wrecked it, will my insurance cover it if he is not arrested?
UPDATED: Feb 5, 2025
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Tim Bain
Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Insurance Agent
UPDATED: Feb 5, 2025
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.
UPDATED: Feb 5, 2025
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.
UPDATED: Feb 5, 2025
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.
If your car was stolen, even by a family member, and you have comprehensive and collision coverage on the car, the insurance company should pay for the damages to your car less your deductible.
Since this was a family member, you will need to file a police report for the theft. The police may arrest him or not, but the report still needs to be filed. However, even if not a family member, a police report should be filed if you have not already done so.If you have previously allowed your son to use the car, there could be an issue with the police and the insurance company. He may have felt he was allowed to use the car and did not consider that he was stealing it. If he lives with you that could make his case stronger against a theft charge. However, your collision coverage should still cover the car if he was a licensed driver.
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Tim Bain
Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Insurance Agent
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.