Fault

If she is claiming the car was stolen, a police report needs to be filed. Technically, the insurance company of the owner isn't responsible for the damages if the car was stolen.

The insurance companies determine fault when filing a claim. You will need to contact your insurance company and the other party's insurance company as soon as possible to get the claims process started.

There are many different reasons that your insurance rates can increase. Sometimes there is even more than one reason the rates go up.

This one is really tricky. Typically it is up to the person driving to maintain control of the vehicle but every situation is different.

Just to clarify, no-fault only refers to bodily injury - not property damage. If you no one was hurt, as you said, that would not be a factor here.

If your insurance company has to pay out on a claim, it will impact your rates. If you have uninsured motorist coverage, the accident will only stay on your record for 3 years and will not impact your rates as much as if you don't.

In this situation, it can depend. When a driver is excluded from a car insurance policy, this means they are not covered to drive your vehicle.

The next step will be to contact your insurance company. They will handle the claim for you.

When your insurance pays out on a claim, it can impact your rates for up to five years. Since he was at fault, they may not go up as much as they would if you were at fault.

I don't really have any resources for you. The uninsured driver who is at fault in the accident will be responsible for the damages.