Auto Insurance Claims/Stolen Auto

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Expert: Bennie719 - 1/7/2008


Question
My daughter loaned her car to a friend that drove it out of state (CA. to Las Vegas) where it was stolen from a hotel parking lot.  Does the friend have any legal responsibility to replace the car?
Would the friends auto insurance be responsible for restitution since my daughter only carried PL & PD?

Answer
Hi Rita,
Your daughters friend does not have a 'legal' responsibility to replace the car, but if she carries insurance with comprehensive (theft) coverage, she could have her insurance company cover your daughters car as a temporary substitute automobile.
I hope this is of help.
Bennie

Auto Insurance Claims

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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