|
| |
 | 
10-12-2006, 04:00 PM
| | Junior Member | | Join Date: Oct 2006
Posts: 16
| | | Loaned Our Car - Now It's Missing, HELP!
What is the name of your state? Maryland
My husband loaned out our car. Today the guy he loaned the car to called him to say its "missing". At first he told my husband that "a guy that was at a party he was at last Monday night took the keys and the car, the guy's in jail and he can't find the car." So my husband calls the police to report the car stolen. The police contact the guy my husband loaned to the car too and the guy tell the police that the "car broke down and he left it on the side of the road." We've contacted both city and county looking for the car ... its not been impounded. The police are giving my husband the "runaround" cuz of jurisdictional issues (i.e. did the car go missing in the city or the county?) At this point, I don't know how to handle this. Is it the missing car the responsibility of the person to whom it was loaned? If it is not found, is it considered stolen? Do I report it stolen to my insurance or wait for the police to investigate? 
nlm |
10-12-2006, 04:12 PM
| | Senior Member | | Join Date: Nov 2005 Location: South Cackalacky
Posts: 15,044
| | | I'd report it to my insurance company if I had comprehensive coverage on the vehicle.
__________________
My new signature:
Originally Posted by arazi Quote: |
I'll take you on one-to-one in a volcabulary test anywhere, anyplace, anytime.
| |
10-12-2006, 04:20 PM
| | Junior Member | | Join Date: Oct 2006
Posts: 16
| | Quote:
Originally Posted by moburkes  I'd report it to my insurance company if I had comprehensive coverage on the vehicle. | Fortunately, I do. We just recently (last May) made the final payment on the car and I do have the lien release.
I'm really worried that the car may have been involved in something "untoward" and that the person who borrowed it is trying to cover up. I don't want anything the borrower may have done to come back to bite me on the a**.
nlm |
10-12-2006, 07:44 PM
| | Senior Member | | Join Date: Jan 2006 Location: Il.(near StL, Mo.)
Posts: 2,207
| | | If you haven't already done so, definitely report the missing car to your insurance company. You have already reported it to the police. I believe that's about all you can do for now.
__________________
What do we live for if not to make the world less difficult for each other? George Eliot
|
10-13-2006, 08:49 AM
| | Junior Member | | Join Date: Oct 2006
Posts: 16
| | Quote:
Originally Posted by Betty If you haven't already done so, definitely report the missing car to your insurance company. You have already reported it to the police. I believe that's about all you can do for now. | The police won't take a stolen car report from my husband only from the person who had the car in thier possession when it "went missing". The county police say to report to the city and the city police say report to the county. Now the person who had the car is "gone missing" too! The county police have been going by their house every hour ... no one home and no one answers the phone. The police say they need a recorded or written written statement from them to make a report. What happens if I call the insurance at this point without a police report? I feel that since we've called the police we should get some kind of report. They're saying our alternative is to go to the courthouse and file for an arrest warrant. I was hoping that wouldn't be necessary, I just want a police report to so I can file my claim with the insurance company.
nlm |
10-13-2006, 09:34 AM
| | Senior Member | | Join Date: Nov 2005 Location: South Cackalacky
Posts: 15,044
| | | You can file the claim with your insurance company without a police report. They will certainly ask WHY to haven't filed it, but it won't stop you from filing it. Why haven't you done that already? You seem to be eager to get your vehicle back, but not eager to notify your insurance company about a potential comprehensive claim which DOES NOT AFFECT YOUR PREMIUMS. I don't understand what you are looking for from us.
__________________
My new signature:
Originally Posted by arazi Quote: |
I'll take you on one-to-one in a volcabulary test anywhere, anyplace, anytime.
| |
10-13-2006, 11:33 AM
| | Junior Member | | Join Date: Oct 2006
Posts: 16
| | Quote:
Originally Posted by moburkes You can file the claim with your insurance company without a police report. They will certainly ask WHY to haven't filed it, but it won't stop you from filing it. Why haven't you done that already? You seem to be eager to get your vehicle back, but not eager to notify your insurance company about a potential comprehensive claim which DOES NOT AFFECT YOUR PREMIUMS. I don't understand what you are looking for from us. | Its my husband, he doesn't really want to report ... just get the car back. Guess I'll just have to do it myself. The problem is I don't have the details of who he loaned to car to. Thanks for your advice.
nlm |
10-13-2006, 11:39 AM
| | Senior Member | | Join Date: Nov 2005 Location: South Cackalacky
Posts: 15,044
| | | Do you understand that reporting will not affect your insurance premiums in any way?
__________________
My new signature:
Originally Posted by arazi Quote: |
I'll take you on one-to-one in a volcabulary test anywhere, anyplace, anytime.
| |
10-13-2006, 01:28 PM
| | Member | | Join Date: Aug 2004 Location: Atlanta
Posts: 697
| | | *****Please Please Please Report This To Your Insurance Company***** |
10-13-2006, 03:55 PM
| | Junior Member | | Join Date: Oct 2006
Posts: 16
| | Quote:
Originally Posted by moburkes Do you understand that reporting will not affect your insurance premiums in any way? | I was unsure because we gave permission for the person to use the car and I really don't know what happen. Since the borrower was being so evasive I'm very concerned that it may have been in accident that was their fault. If they are uninsured wouldn't it come back to my insurance?
nlm |
10-13-2006, 04:04 PM
| | Junior Member | | Join Date: Oct 2006
Posts: 16
| | Quote:
Originally Posted by jpritchett81 *****Please Please Please Report This To Your Insurance Company***** | Well, I've called my insurance co. and made a report. Couldn't tell them much, tho. But at least its done. Been a bad week -- son in a chain rear-end accident & car "lost". I kept praying that the car would turn up and I wouldn't have to report it. Been feeling a little overwhelmed. Guess insurance/police will take it from here.
Thanks to all for your advice.  nlm |
10-13-2006, 05:01 PM
| | Member | | Join Date: Sep 2006 Location: Pennsylvania
Posts: 82
| | | You can ask the police to fiile theft charges against the person to whom you loaned the car.
Of course, they are probably in Key West!! | |
Currently Active Users Viewing This Thread: 1 (0 members and 1 guests) | | | | Thread Tools | | | | Display Modes | Rate This Thread |  Linear Mode | | 
Posting Rules
| You may not post new threads You may not post replies You may not post attachments You may not edit your posts
HTML code is Off | | | |
