Stolen Car Crash: Who Pays for the Damage?

Is It Covered? | Stolen Car Chase Crash - Who Pays for the Damage?

A high-speed chase. A stolen car. A massive crash. Who’s footing the bill?Today, we’re tackling a wild scenario sent in by Rick from Minute Man Press: What happens if a stolen car crashes into you during a police chase? Who’s responsible for the damage to your car, your medical bills, and the overall headache that comes with it?

In this episode, hosts Bruce and Brian Chapman of JD Chapman Insurance Agency will cover: How New York’s no-fault insurance impacts medical claims (hello, PIP coverage!). Why collision coverage or uninsured motorist protection is your best bet for car damage.

The harsh truth about suing a car thief (spoiler: good luck collecting!). Whether the police or city could ever be held liable (hint: not likely, but possible!).

The importance of SUM (Supplementary Uninsured Motorist) Coverage—your secret weapon in cases like these.

Bottom Line?

• Your PIP covers medical bills.
• Your collision or uninsured motorist coverage handles vehicle repairs.
• Lawsuits? A tough road.
• The best protection? Having the right insurance BEFORE disaster strikes!

Have a crazy insurance question? Drop it in the comments or send it our way! We just might break it down in a future episode.

Subscribe for more real-world insurance stories, expert advice, and answers to the question: Is it covered?

Like, Share & Subscribe to stay informed and protected!Interesed in talking with Bruce or Brian about your insurance needs? Reach out!

[e-mail]
[e-mail]
315-986-4062