Reader’s Question:

Who pays for my stolen vehicle? My car was caught on fire after a police chase.

Judy

Schaumburg, IL

You would need a comprehensive coverage in Schaumburg Illinois on your car for your vehicle to be covered if it was stolen and recovered after the thief was involved in a police chase while driving your car.

If you do not have comprehensive coverage on the car that was stolen then you will have to pay for the damages yourself unfortunately, if the vehicle is able to be fixed, or be out a vehicle since there would not be any other way in which to make a car insurance claim.

Insurance and state law vary however if you do not have comprehensive coverage then generally unless the at-fault driver is found, the one who stole the car, there is really no one to go after for the damages to your car. The law enforcement would not be liable for the actions of the person that stole your car.