Hit By A Stolen Car Who Pays For The Damage?

By Jo Jeffries. Last Updated 15th July 2022. Welcome to this guide, which explains compensation payouts for an accident caused by a stolen car.If you’ve been hit by a stolen car, who pays for the damage? This article will explore how to make a personal injury claim if you were in an accident with a stolen vehicle and suffered injuries. You may have been a driver, passenger or pedestrian. We also explain who could pay for criminal damage to your car, who pays in cases where a car is stolen and insurance won’t pay out, and whether stolen car insurance claims could affect a no claims bonus.

Road traffic accidents can result in life-changing injuries that cause severe pain and suffering and loss of amenity for the victim. Seeking compensation can help you get your life back on track.

Who Pays If My Car Was Stolen And Involved In An Accident UK

You may have some questions such as:

  • What happens if I find my car was stolen and caused an accident in the UK?
  • If I’ve been hit by a stolen car, who pays for the damage?

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Hit by a stolen car who pays for the damage guide

This article will answer these questions and many more to offer as much guidance and advice as possible.

Our friendly team of advisers are available 24 hours a day to chat with you about your situation and offer free legal advice. If you have a valid claim, they can connect you to our expert personal injury solicitors to discuss No Win No Fee agreements with you.

You can contact our team of advisers by:

  • Ringing them on 0800 073 8801 to talk with an adviser today.
  • Request a call back at your earliest convenience.
  • Chat with an adviser via our live chat pop-up box for a reply immediately.

Select A Section

  1. A Guide On How To Claim If You Were Hit By A Stolen Car, Who Pays For The Damage?
  2. What Is A Stolen Car Accident?
  3. Who Is Liable If You Were Hit By A Stolen Vehicle?
  4. Proving Liability In Stolen Car Accidents
  5. Could I Claim Through The Motor Insurers’ Bureau?
  6. Stolen Vehicle Criminal Injury Claims
  7. Will My Claim Be Affected By Any Criminal Prosecutions?
  8. Motor Vehicle Theft
  9. Hit By A Stolen Car Who Pays For The Damage Or Injuries – Claims Calculator
  10. What Are Considered To Be Special Damages?
  11. Hit By A Stolen Car Who Pays For The Damage Or Injuries And Can You Make A No Win No Fee Claim?
  12. Why Choose Us For Stolen Car Injury Claims?
  13. Talk To Us
  14. Useful Pages
  15. Frequently Asked Questions

A Guide On How To Claim If You Were Hit By A Stolen Car, Who Pays For The Damage?

To start, this guide will look at what a stolen car accident is and who is liable if you were hit by a stolen vehicle. Next, there’ll be a section discussing how to prove liability in stolen car accidents. There will also be a discussion on whether you can claim through the Motor Insurers’ Bureau (MIB).

Furthermore, there’ll be sections talking about stolen vehicle criminal injury claims and if your claim will be affected by any criminal prosecutions. Moreover, the guide will discuss motor vehicle theft.

Additionally, the guide will have sections exploring special damages and whether our personal injury solicitors work on a No Win No Fee basis.

The article will then discuss the type of service we offer and how you can contact our team of advisers. There will also be some further related guides for you to look at. Finally, there’ll be some answers to frequently asked questions. We discuss being hit by a stolen car and who pays for the damage.

What Is A Stolen Car Accident?

A stolen car accident occurs when someone drives a car they’ve stolen and are uninsured on, which results in a road traffic accident.

We can look at statistics surrounding reported fatal vehicle accidents. There are no accidents in the figures relating to stolen car data at the time of writing.

The table below shows the number of fatalities in reported road traffic accidents in Great Britain in 2018/19. As you can see, there was a 2% decrease in the number of fatal road traffic accidents between 2018 and 2019.

These statistics are taken from the Department of Transport. Hit by a stolen car who pays for the damage statistics graph

Who Is Liable If You Were Hit By A Stolen Vehicle?

In some road traffic accidents, it’s obvious who’s at fault. If you’re hit by a stolen vehicle and it’s obvious they’re at fault, there still may be some issues with gaining compensation. This is because someone driving a stolen car is uninsured.

Usually, the insurers of the fault car would pay compensation to victims injured in the accident.

You may think that if you suffer injuries by a driver in a stolen vehicle, the chance of claiming compensation is impossible. However, there is an organisation known as the Motor Insurers’ Bureau (MIB). It provides compensation in cases of accidents caused by stolen or untraceable drivers.

Proving Liability In Stolen Car Accidents

If a vehicle that is stolen is involved in an accident it does not mean that this driver is liable. As with any road traffic accident, liability must be proven. As per the Highway code all road users owe each other a duty of care to keep one another safe on the road. Although a driver driving without insurance breaches this duty it does not mean they are automatically at fault for the accident.

The Road Traffic Act 1988 states that all road users have a duty of care to follow the rules of the road. This is to decrease the chance of accidents. To prove liability evidence is needed. This evidence or proof can come in the form of;

  • Witness statements
  • Pictures of visible injuries
  • CCTV footage
  • Pictures of road marks
  • Images of damage to your car
  • Photographs of the scene

Could I Claim Through The Motor Insurers’ Bureau?

The Motor Insurer’s Bureau (MIB) works to help claimants who have been in an accident with a stolen or uninsured vehicle. This ensures that there’s still a possibility you can claim compensation if your injuries were due to the other driver’s negligence.

A stolen car crash can mean the car insurance provider refuses to pay compensation. Similarly, if a car is uninsured, there’s no insurance provider to pay it at all.

In these cases, the MIB can award compensation for your injuries. The MIB began1946 and has been helping road users who suffer injuries in a stolen car crash ever since.

In the majority of cases, there’s a three-year personal injury claims time limit. Meaning you must begin proceedings within 3 years of the accident or 3 years of gaining knowledge of your injuries. Those who are under 18 and those who have reduced mental capacities are not yet subject to a limitation period. This changes when the claimant reaches 18 or the person gains mental capacity.

On the other hand, someone you trust can become a litigation friend to allow them to make a claim on your behalf.

Therefore, if you are unsure which time limit applies in your case call our claims team for free advice. They are contactable 7 days a week 24 hours a day.

Stolen Vehicle Criminal Injury Claims

The Criminal Injuries Compensation Scheme is funded by the government. It aims to compensate victims of injuries sustained from violent criminal activity. The Criminal Injuries Compensation Authority (CICA) handle all claims of this nature.

The CICA offers compensation for people who’ve suffered injuries due to violent crimes. You may be able to claim through the CICA if:

  • You’ve suffered a criminal injury
  • A loved one has passed away
  • You witnessed a loved one be victim to a serious crime (or witnessed the sudden aftermath)
  • You paid the funeral costs for a loved one who died due to a violent crime

The time limit for claims through the CICA is two years. This means you must start the claim within two years. However, there are exceptions to the rule. Furthermore, you must submit a police report before pursuing a claim.

Will My Claim Be Affected By Any Criminal Prosecutions?

A personal injury claim, because you are injured by a stolen vehicle, will not be hindered by criminal prosecution if liability for the accident has already been proven.

You may be able to make a claim if you’re not at fault. This is to offer compensation to you if you’ve been in a stolen car accident and have suffered injuries as a result.

Our team of advisers are available around the clock to offer free legal advice and talk through your situation with you. If you have a promising claim, an adviser can connect you to a personal injury solicitor to begin working on your personal injury claim.

Motor Vehicle Theft 

The table below includes statistics for England and Wales taken from the Office for National Statistics (ONS) showing the number of reported stolen vehicles returned to their owner in Great Britain between 2017-2020.

As you can see the number of stolen vehicles returned to their owner has decreased by 12 across 3 years. However, ONS states that the number of stolen vehicles not returned to the owner has increased by 12.

Hit by a stolen car who pays for the damage

Hit By A Stolen Car Who Pays For The Damage Or Injuries – Claims Calculator

Some articles may include a personal injury claims calculator, but we’ve used a compensation table instead. The figures may vary as this table is an example.

This table includes the latest figures from the Judicial College Guidelines (JC). It shows the severity of the injuries and the symptoms they may present with. The JCG is a document that solicitors often refer to when valuing injuries in personal injury cases. The Judicial College complies these figures using past cases in court settlements.

Injury:Notes:Compensation:
Other Arm InjuriesSevere injuries that don’t require amputation but are severe and leave the person unable to use their arm. £96,160 to £130,930
Other Arm InjuriesInjuries resulting in permanent and substantial disablement. One or both forearms suffering serious fractures, resulting in permanent disability. £39,170 to £59,860
Injuries to the Elbow Less severe injuries. Lack of elbow function. No need for surgery and doesn’t result in significant disability.£15,650 to £32,010
Injuries to the Elbow Moderate or minor injury. Tennis elbow syndrome, simple fractures and lacerations. Up to £12,590
Wrist InjuriesComplete loss of function in the wrist. An arthrodesis has been carried out.£47,620 to £59,860
Wrist InjuriesA significant disability that’s permanent. However, there’s still some useful movement. £24,500 to £39,170
Injuries to the ElbowSeverely disabling£39,170 to £54,830
Other Arm InjuriesLess severe£19,200 to £39,170
Other Arm InjuriesSimple forearm fractures£6,610 to £19,200

The brackets here show different types of injuries along with their severities. The amount paid will depend on the severity of the injury and the treatment needed. It will also look at the quality of life decrease.

Successful claims settlements could include  general and special damages. General damages are in the above table and compensate the claimant for the pain and suffering from their injuries. While special damages look at financial losses caused by the injuries. We show special damage examples in the next section. For example, you may suffer from depression that stops you from working and causes a decrease in earnings. 

What Are Considered To Be Special Damages? 

Special damages look at how your injuries have impacted you financially. To claim special damages you must provide sufficient evidence. That way, you can receive compensation for the financial loss.

Below we have included some examples of the types of losses special damages can compensate you for;

  • Loss of earnings – If your injury resulted in you taking time off work, you may have suffered a loss of earnings. An example of evidence you could use to prove this is payslips and bank statements.
  • Cost of care – Your injuries may mean you have to hire a carer to look after you whilst you heal from your injuries. For example, they may cook for you as you have to rest. Alternatively, you may have had to hire a carer for an elderly family member who you usually care for but can’t whilst you recover from your injury.
  • Medication costs – You may have paid out of pocket for prescription medication. To prove this, you can gather prescriptions and bank statements.
  • Costs of travel – You may have paid out of pocket to travel to and from medical appointments, for example by bus. An example of evidence to provide for this is bus tickets.

If you’d like to discuss how much special damages compensation you could claim, you can contact our team of advisers. We could provide free legal advice. If the question you’re asking is ‘I’ve been hit by a car, who pays for the damage?’ our team of advisers can discuss this with you.

Hit By A Stolen Car Who Pays For The Damage Or Injuries And Can You Make A No Win No Fee Claim?

Our personal injury solicitors would be happy to discuss your claim with you and the possibility of working on a No Win No Fee basis. A No Win No Fee agreement, or Conditional Fee Agreement, is a contractual agreement both you and your solicitor sign.

It sets out the terms and conditions your solicitor has to meet before they receive payment. There’s little to lose and a variety of financial benefits to a No Win No Fee agreement. The contract states that you won’t have to pay your solicitors fees if your case loses.

You won’t have to pay your lawyers fees if the case is unsuccessful. If your claim succeeds, your personal injury solicitor will deduct a small percentage from your compensation. Your lawyer will discuss this legally capped deduction with you first.

If you’d like to explore No Win No Fee agreements further, our team of advisers are available round the clock to offer you advice for free. They’d be happy to answer any queries you have and have a chat with you about your situation. If your claim is valid, they can connect you to an expert personal injury solicitor to begin the claims process.

Why Choose Us For Stolen Car Injury Claims?

It’s completely your decision which personal injury solicitor you decide to work with. You can research online for different solicitors to find one who works for you. However, it’s important to note that you don’t have to stick with a personal injury solicitor in your local area.

Our personal injury solicitors work with claimants across the country to help them get more money from an injury claim. They’re empathetic and professional when working with claimants. They also have experience in helping claimants receive the compensation they deserve.

You can contact our team of advisers today to receive free legal advice about your situation. If you have a valid claim, an adviser can connect you to a personal injury solicitor to discuss No Win No Fee agreements with you and begin the claims process.

Talk To Us

Our team of advisers are available every hour of the day to help you with your needs and assess whether you can make a personal injury claim.

Afterwards, you’re under no obligation to continue with our services if you don’t wish to. However, if you’d like, an adviser can connect you with an empathetic, professional personal injury solicitor if your claim is legitimate.

A personal injury solicitor can then explore working with you on a No Win No Fee basis and help you gather as much sufficient evidence as possible for your claim.

To contact our team of advisers, you can:

  • Give them a call on 0800 073 8801 to chat about your case.
  • Send a message via our live chat pop-up box for an instant response.
  • Fill out our online claims form to receive a reply at your nearest convenience.

Useful Pages 

How Do I Know If I’ve Broken A Bone? – If you suspect you may have a bone fracture, this NHS guide includes the information you need to know.

Whiplash – Have you suffered whiplash due to a car accident? This NHS guide includes whiplash treatment and symptoms.

Broken Leg – This NHS article explores the symptoms, treatment and recovery process of a broken leg.

Wrongful Death Claim – If your loved one has passed due to someone else’s negligence, our guide explores how you may be able to make a fatal accident claim.

Cycling Accident Claims – Have you suffered a cycling accident due to someone else’s negligence? Our article looks at how you could make a personal injury claim.

£4 Million Brain Damage Payout After A Road Traffic Accident – Our article discusses road traffic accident personal injury claims.

Frequently Asked Questions

Are you liable if someone steals your car?

If your car is stolen and involved in an accident then those who have stolen the car maybe liable.

How do you prove you are not at fault in a car accident?

To prove you’re not at fault for a vehicle accident, you can provide evidence such as:

  • CCTV footage – If this is available, this is a good way to prove you weren’t at fault in a vehicle accident. The footage can show exactly how the accident occurred and who’s at fault.
  • Witness statements – Anyone who witnessed the accident can provide a statement explaining what they saw and who was at fault.
  • Pictures – You can take pictures of any visible injuries and damage to your car to show how severe the accident was.

Can I sue if my car is stolen?

If you have fully comprehensive insurance your insurance provider should replace your stolen car.

Where can I find guidance on compensation payouts for an accident caused by a stolen car?

We have included details of compensation payouts for an accident caused by a stolen car in the compensation section of this guide. We’ve used figures from the Judicial College Guidelines 16th edition, released April 2022. They are only rough guidelines for general damages, and your compensation would depend on the unique circumstances and facts of your claim. As such, the figures don’t necessarily represent what you could recieve. If you cannot see your injury listed in the table, please call our team as you could still potentially claim. We would be happy to give you further guidance over the phone. 

Who pays for criminal damage to your car?

In some cases, if you have fully comprehensive motor vehicle insurance, your policy could pay out for a criminal damage claim. 

I was hit by a stolen car but police can’t trace the driver – what should I do?

If you were hit by a stolen car and suffered injuries, but the police cannot trace the driver, you may still be able to claim through the Motor Insurer’s Bureau. If you get in touch with us, we could offer details of how we could assist you in making a claim for compensation if you are eligible to do so. We could even provide you with a No Win No Fee solicitor to help you get the compensation you deserve.

If someone causes criminal damage to a car who pays for the repairs?

You may be wondering ‘if someone causes criminal damage to a car, who pays?’. It can vary depending on the situation.

In some cases, you may be able to claim for damage to property when seeking compensation. However, in other cases, the damage may be covered by your insurance policy.

Call our team to find out whether you’re eligible to claim.

Someone has stolen my car, will my insurance pay out quickly?

If someone has stolen your car, you should report it right away and let your insurer know. The time it takes from reporting someone has stolen your car to your insurance payout can vary depending on your insurance policy.

If you’d like to have your questions answered about stolen car insurance and who could pay for a claim for damage or injury caused by a stolen vehicle, please call our team. Our advisors are on hand to help check your eligibility to claim for personal injury and property damage. (282)

Thank you for reading our guide. Now you’ll know more about being hit by a stolen car. And, who pays for the damage.

Guide by SN

Edited by MM.