Auto Insurance Claims: loaned car carjacking felony stop, 2007 mazda cx7, mile chase

Question
I loaned my car to a friend of mine to pick up relative from the local bus station. En route my friend was carjacked by a bloody man who pulled my friend out of my car and led police on a three mile chase there was a felony stop and both passenger side windows were busted out by police.  The car has no apparent damage to the exterior, other than evidence on the left side wheels that it was driven off road, and the interior is covered in blood.  I have one year to pay off the car it is a 2007 Mazda Cx7 with low mileage (35000) and has full coverage 100/300 with comp collision of course.  What should I expect as adjuster is supposed to contact me tomorrow?  Is it a problem that I loaned out my car?  Who is responsible for the damage/ repairs? I live in Florida and have E-surrance.

Answer

Matthew;

You have little to be concerned other than the proper cleaning and eradication of the blood left in the vehicle. Biohazard clean-up should be done and done thoroughly by trained experts. Blood related diseases are out there and you'll want to protect yourself and others from possible contamination.

If the facts happened as you state and you have full coverage (including comprehensive) you should be fine.

It's your vehicle and you can "loan" it to those who you wish. If the one you loaned the vehicle to lives in your household and has frequent availability and use of your vehicle you may wish to add them as an alternate driver. Your insurer will be responsible for your damages (under your contract) and they may then seek recovery through subrogation against the at-fault driver.

If if it were me, I would ask that the vehicle be checked out thoroughly by a certified mechanic as you don't know what your vehicle went through while out of your control and should things manifest later on, the insurer may take the position that they are not loss related. Check the alignment and mechanical components. You may even ask that the black box (if so equipped) be read to determine if the vehicle was ran at high RPMs and such.

Thank you for your question and I hope helps in answering your questions!