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Auto Insurance Claims/Stolen Vehicle Liability


My car was stolen and involved in an accident with another vehicle. The local police, for whatever reason, is not bothering with the case and has not marked the car stolen. The insurance company of the car that was hit is pursuing me for retribution and not my insurance company while my insurance company is denying my claim since our car has not been marked stolen by the police and is trying to pin the accident on me.

I reside in California and have comprehensive coverage. Can my insurance company deny coverage? Shouldn't the other car's insurance company be pursing my insurance company rather than me can they pursue me if my insurance does not believe me? Do you know of any CA laws that would protects me from liability from the other insurance company?

I see the problem.  You have to file a police report.  Get a police report on the theft immediately, if you don't do that, you are at the mercy of the adjusters.  

Send the police report to the other car's insurance company and send a copy to your insurance company.  

Your insurance company does not have to pay for damages if your car was stolen, and neither do you, but you do have to prove your car was stolen.

I hope this helps.  Information is always free at Petty Details, LLC!

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Justin Petty


Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.


Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

NASP (National Association of Subrogation Professionals) (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author ( All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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