What to do fi my car was legally parked in front of my house when a fleeing teenager crashed into it and totaled it with a stolen vehicle?

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What to do fi my car was legally parked in front of my house when a fleeing teenager crashed into it and totaled it with a stolen vehicle?

I didn’t have collision coverage on my car and the owner’s insurance is telling me they are not responsible because the car had been reported stolen two days prior to the accident. Is there anything that can be done? Is the insurance of the owner of the vehicle really not responsible for any of the damages? There were 6 cars that were damaged; 2 of them were ours and 1 was a total loss.

Asked on November 23, 2013 under Accident Law, Pennsylvania

Answers:

MD, Member, California Bar / FreeAdvice Contributing Attorney

Answered 7 years ago | Contributor

You should file a claim with both insurance companies and speak to an attorney about suing the other insurance company, your insurance company, the owner of the other car, the teenager and that teenager's parents. If a minor conducted this activity and it may appear the parents had previous notice, the parents are responsible for the actions of that minor.  Further, that decision can hold against that teeanger for quite a few years after he or she turns of age. Bottom line: it is not your fault. So your best bet now is to seek legal counsel and seek an individual on a contingency. You can also file a complaint with your state insurance agency to see if their regulatory authority can cover this matter without you having to hire counsel.


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