If i let a strangr drive my car while riding pasenger and I step out, person rides off. Does insurance payout?

Question

The guy sped off when I got out the car to use the restroom. Even though I allowed the guy to use the car but I didnt allow him to use it on an extended period, will the insurance compensate?

Answer 1

Why would you do this?  File a police report that your car was stolen.  Read your insurance Explanation of Benefits info to see if it is covered.  Not necessary or mandatory for them to cover something of this reckless nature

This is why other peoples insurance premiums go up.  You do realize now how stupid that was?

Answer 2

If you file a police report stating the vehicle was stolen and have comp coverage, and assuming your not lying.  It would be covered.  But be fully prepared for SIU (Special Investigative Unit) to get involved.  Every insurance company has an SIU team, and most of them are ex cops, so if you're lying, they're pretty good at find out.

Answer 3

If you have comprehensive insurance they might cover it, but considering the circumstances, they may not. Look over your particular plan online to see the terms and benefits. Each company has its own restrictions, so there's no way for me to know.

BTW I hope you learned a life lesson. You can't trust anybody..