It's my first time posting here so please excuse me if I don't ask this properly.
Two days ago I canceled collision coverage on my car. Last night my 15 year old son took my car without my knowledge or permission and crashed it.
I called the insurance company to ask if this is covered under comprehensive coverage as theft. They said I would have to make a police report before they could answer that.
Does anyone here know if it could be covered? I don't want to make a police report and have my son get in trouble if the insurance will still reject the claim. However, I could really use the money to get a new car so if they would cover it I will make the police report. If anyone here is familiar with how this works and could tell me what they think that would be great.
Posted by MattinglyDineen
5 Comments
It’s not covered under collision and unlikely to be covered under comprehensive as a theft, particularly if your keys were easily accessible and/or if your resident son has had access to the vehicle or driven it in the past. You’re gonna have to eat this one.
I really doubt you will get coverage if you don’t have a police report. We had parts stolen and the insurance wouldn’t do anything without the police report. To be honest, it all sounds quite suspicious.
It can but again as a theft claim. You would need to file a police report against your son.
Based off what you said. It won’t be covered.
I mean if you charged him for theft, possibly. But he’s a house member, so this might fall under permissive use. That’s a bit complicating
No police report, no claim for theft. That’s all there is to it.
This applies to any theft claim – you have to file a police report to claim theft. Even if the case is never solved by the police, you still have to make the report.
This is not a great situation to be in – unfortunately, you’re probably going to have to absorb this one and count it as a very hard lesson to hide your keys if you can’t trust your son not to take the car. (No offense intended here – I get it – kids can be unpredictable and when emotions run high or they get a wild hair, they can do things that don’t make sense to us. But if you can’t be sure it won’t happen again, you need to take steps to prevent it, or you’ll be on the hook for another incident in the future.)