In Rancho Cucamonga, on Saturday, August 9, 2014, an individual driving a stolen Chevrolet Camaro, struck one car which in turn hit yet another. Fortunately, both vehicles were parked and unoccupied at the time of the accident. The driver of the stolen Camaro fled the scene of the collision. Apparently, the Camaro burst into flames after the impact.
Here is an interesting fact to know. Assuming the Camaro was insured by its owner, and it was stolen, as alleged, the insurance company covering the stolen car would not provide any payments for the damage to other vehicles damaged by the stolen vehicle. Now, if the proper insurance was purchased, the owner of the stolen vehicle itself could recover for his losses and the owner could be paid for the damage to, or loss of, the stolen vehicle.
When Uninsured Motorist Insurance Coverage Come Into Play
Take it one step further, assume these vehicles were not parked cars, rather they were occupied cars at an intersection and were struck by the stolen vehicle. The insurance for the stolen vehicle would still not pay for any injuries suffered by the accident victims. So where does one turn for protection from injuries or damage caused by the drivers of stolen vehicles? Protection comes from uninsured motorist insurance coverage. Uninsured motorist coverage can be purchased for both vehicle and person. I believe the importance of this insurance coverage is second only to the California required liability coverage to operate a vehicle. Unfortunately, too many people fail to recognize the need for this coverage and don’t purchase it.
If you have uninsured motorist coverage, I encourage you to raise your available limits. If you don’t have it, give up something to purchase this coverage. Purchase the most you can reasonably afford. With so many uninsured or underinsured motorists on the road, you must take action to protect yourself from property loss and or personal injuries suffered by an uninsured driver. If you don’t have this coverage, you will have nowhere to turn to get paid for your losses and you will have no one to blame but yourself.