STOLEN CARS AND LEGAL CLAIMS: A LEGAL GUIDE
Legal Implications and Insurance Coverage
When injured by someone driving a stolen car, the primary concern is compensation. Insurance companies typically deny responsibility for stolen vehicles, claiming unauthorized use. However, under New York law, victims can turn to their own insurance through uninsured/unidentified motorist benefits. Every insurance policy written in New York must include these benefits, providing both no-fault benefits and coverage up to the policy limits.
Critical Deadlines and Requirements
To qualify for these benefits, victims must meet specific requirements. The accident must be reported to police within 24 hours, and a no-fault application must be submitted to their insurance company within 30 days. Failing to meet these deadlines can result in loss of benefits and responsibility for medical bills.
Options for Non-Car Owners
Those without personal vehicles can seek coverage through household members' insurance policies, including roommates, significant others, or family members. For New Yorkers without household access to insurance, the Motor Vehicle Accident Identification Corp (MVAC) provides state-funded benefits, offering up to $50,000 for lost wages and medical expenses, plus $25,000 for pain and suffering.
Compensation and Policy Limits
Compensation depends on two main factors: personal insurance policy limits and injury severity. The uninsured motorist provision of one's own policy sets the maximum compensation available. More severe injuries warrant higher compensation, but always within policy limits.
Police Chase Scenarios
Accidents involving stolen vehicles often occur during police pursuits. In cases of minor offenses, police aren't supposed to engage in high-speed chases. If reckless pursuit creates dangerous situations, law enforcement may be held partially liable.
Inadequate Insurance Coverage
For accidents involving drivers with insufficient insurance, New York law provides Supplemental Underinsured Motorist (SUM) coverage. This allows victims to claim the difference between their own policy limits and the at-fault driver's coverage, providing additional protection for both civilians and law enforcement officers.
