Car insurance - stolen car caused damage - who pays?

Mouseman

Right, the scenario:

The car was broken into (through a window) and the handbrake let off. The car rolled approx 1 car length down a small slope and struck another vehicle.
The insurance company say they see this as the car that was broken into is classed as stolen.
The second vehicle is damaged, with zero visible damage to the car that was broken into (apart from the window, obviously!).

The question(s):

Is this going to be taken off of the policy of the stolen car?
If so - how far does this go? If it was taken joyriding and it hit a Bentley, would that policy be liable for a quarter mill??
If the damage seems excessive for the circumstances, does anyone have any experience of an insurance investigation and how it will be conducted please?

Many thanks, I look forward to the replies...

Quentin

The stolen car's insurance company will agree what repairs are necessary due to the incident.

They would also pay out for the damage to the Bentley.

cogito

They would also pay out for the damage to the Bentley.

On what grounds?

Quentin

Same grounds as the other vehicle's damage would be covered.

cogito

Why would the insurers of the stolen car pay for the repairs to the Bentley?

geri1965_2

cogito wrote: »

Why would the insurers of the stolen car pay for the repairs to the Bentley?

Because they insure the vehicle that caused the damage, stolen or not.

cogito

If it's a comprehensive policy, it will cover (a) damage to the insured vehicle and (b) legal liability for damage to third party property. Why would the owner of a stolen vehicle be legally liable for damage caused by the person who stole his car?

mattymoo

cogito wrote: »

If it's a comprehensive policy, it will cover (a) damage to the insured vehicle and (b) legal liability for damage to third party property. Why would the owner of a stolen vehicle be legally liable for damage caused by the person who stole his car?

They could be acting as Road Traffic Act insurer.

cogito

They could be acting as Road Traffic Act insurer.

Wouldn't it be a problem for the insurers of the Bentley rather than the insurers of the stolen car?

Quentin

The question posed was hypothetical! (Asking if the stolen car's insurer's liability was limited)

(The Bentley may be uninsured)

business_insurance

Insurance company must have to pay for the stolen car damages, but it would be the wise step to read terms and conditions of a car insurance. Personally i feel Insurance company are paying for that, if there is no any hidden terms.