paying for vechile twice

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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...

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UPDATED: Oct 16, 2011

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Insurance Question from Fairfield, CA

Asked on 10/16/2011

paying for vechile twice stolen vechile was found in my garage i was charged for stolen propery but charges were later dropped. When vechile was recovered the insurance co said it was totaled & paid person now ins co is suing me for the amount

Answer given on October 18, 2011

If an insurance company pays to repair or replace a car they insure due to damages for a stolen car, they may go after any party considered responsible for the theft or damages.Even though the legal charges were dropped by law enforcement, the insurance company may feel they have sufficient information to hold you responsible for the theft and/or damages to the stolen car. Based on this information, they may attempt to recover their payment for the damages to the car.Of course, you may deny any responsibility, but you may need to obtain legal assistance to defend yourself from the request for damages. The case could end up in court and while you can defend yourself, you may not be able to do so effeciently or effectively. If the insurance company is successful they can collect or obtain a judgement against you for future earnings.

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