Questionstupid me let someone use my car to go get me cigarettes and they never returned. this was 48 hours ago. I am not able to report stolen till after 72 hrs (KS) have gone by and it not returned. Car has FULL coverage. Damage, comprehensive, ect with state farm. 250 deductible. 250/500/250.
Will insurance cover the loss of the car if it not found after I file police report? What are my liabilities? Can this only be settled in a lawsuite against the other person? I called state farm shortly after I realized it not coming back, but told them the keys were in the car and somebody drove off with it. I called my agent today and told the guy that I actually gave someone permission to use it for an errand. Please get back to me ASAP. I don't know what to do. I need help.
AnswerYou are going to have to deal with the police first, and the insurance second. After you have filed a theft report, then file a theft claim with your insurance company. Allowing someone to use your vehicle is one thing. That same person not returning is another. I think an attorney might better be able to assist you. Answers to questions like "Has the person ever used the vehicle before?", "How well do you know them?", "Are they a family member?", "Should you have known not to let them borrow the vehicle?", etc. . .will be a big factor in how your insurance claim and theft report are handled.
I also would research why you have to wait 72hrs. If you are at the store, come out and your car is gone, then you can report it stolen, right? If it is simply the fact that you gave permission, then I understand, and that is why you need an attorney. If your vehicle is never returned, then your insurance should pay, but they could delay the payment for a more thorough investigation as is sometimes the case with unusual thefts.
I hope this helps, and I'm sorry I could not be of better service. You are better served going through the proper legal channels as anything I say is speculation until the vehicle is actually considered "stolen".
