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Auto Insurance Claims/Unauthorized Use in PA

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Expert: - 11/16/2011


Question
I loaned a friend my vehicle. She moved & I cannot locate her or have any contact with her. I notified the police & they put the report into NCI database. I contacted the insurance company & completed the theft of vehicle report. The police called it unauthorized driver. In the database it states stolen. The insurance company want me to attest the vehicle stolen. I am comfortable stating unauthorized use. What is the difference between unauthorized driver & theft of vehicle in PA?

Answer
Hi Joyce,

I am not familiar with specific PA law as I am not an attorney. However I can tell you that your insurance company will likely not pay out on the claim unless it is classified as a stolen vehicle, you report it as a stolen vehicle and you are willing to press charges against your friend if the vehicle or your friend are ever located.

I hope this helps
Richard Hixenbaugh  

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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