While car theft is stressful enough, the nightmare often doesn't end when your car is simply stolen; in some cases, it's just the beginning, especially if your stolen vehicle has caused damage to other property or vehicles.
One of the most significant concerns that arises from such an incident is determining who will cover the costs associated with the damages. So, in the UK, who's on the hook when a stolen car wreaks havoc?
The answer is simple - if the suspect is caught, the car thief will usually be obliged to cover the damages. However, like with any crime, situations like these can get complicated, especially if the culprit is never found, or doesn’t have the assets or means to pay. Let’s take a closer look at some possible outcomes, and what you can do if you ever find yourself in this unfortunate, stressful situation.
In the UK, when a vehicle is stolen and subsequently involved in an accident or causes damage in some way or form, the initial source of compensation is usually the insurance policy of the stolen vehicle's owner. If you have a comprehensive insurance policy, it should cover the damages to your car.
However, when it comes to third-party damages or injuries caused by your stolen vehicle, the situation can become more complicated. If the thief is caught and can be identified, any third-party claims would typically be directed against the thief, as we explained briefly in the intro. Still, it's relatively rare for a thief to have the assets or insurance to cover these claims.
Depending on your insurance, you may also have the right to a non fault accident courtesy car - but this will depend on your chosen policy and provider.
In the unfortunate event that your stolen vehicle does end up causing damage, it's essential first to ascertain the extent of the damage. This assessment should include:
Always report a stolen vehicle to your local police station as soon as possible - they will provide a crime reference number, which is going to be essential for any future insurance claims. If your stolen car caused damage or injury, note the following:
In situations where the thief is apprehended, you may have the option to pursue legal action against them. While the justice system will deal with their criminal activities, a civil lawsuit can be launched to reclaim damages not covered by your insurance. However, there are several factors to consider:
In the UK, the Motor Insurers' Bureau (MIB) acts as a safety net for those affected by uninsured or untraced drivers, which includes thieves driving stolen vehicles. If the thief cannot be identified or doesn't have the insurance to cover the damages they've caused, the MIB can step in, investigate the claim, and potentially provide compensation to victims.
Being the victim of a car theft is distressing, and the situation becomes unquestionably even more challenging if your stolen vehicle causes damage or injury to others. Should such an incident occur, it’s essential to know your rights, as well as the mechanisms in place to protect you financially.
While your insurance policy and the MIB are vital safety nets, always take proactive steps, such as reporting to the police promptly and gathering as much evidence as possible.