My daughters now ex was staying with us until he could buy a car and move into an apartment. She broke up with him and I allowed him to take my car to move to his grandparents home. He was to return my car afterwards- he never has. It's now been 3 weeks, the state police came and took the report and told me it was an "unauthorized use of a vehicle". They gave me an incident # and called the ex and left a message for him to return it immediately. They put it in the NCIC. It still has not been found and the ex will not pick up our calls or texts. We have no idea where he or the car even are at this point. I'm still paying the insurance on the car that I don't have & can't find. I don't want to drop the ins for fear something bad will happen, the title & reg are in my name. What happens next?
This isn't really a family law question so I'm changing the practice area for you
Be sure to click Best Answer if you found this helpful. Disclaimer: Please note that this response does not in any way an attorney-client relationship between Kathryn L. Hilbush and the recipient. My responses are general in nature. They do not constitute legal advice. You are advised to consult an attorney regarding this and any other legal matters.
You need to report this to your insurance carrier. If you have a copy of the police report provide it to them. If you have first party coverage, such as collision coverage, you might be able to receive benefits. If the car is still financed, you will need to report it to the bank. As the owner, you might become liable for any misuse of the vehicle such as parking tickets
All information provided in this comment is intended for informational purposes only and does not, by itself, create an attorney client relationship. Without the benefit of a personal consultation to explore all of the facts of your legal problem, the information in this posting may be inaccurate and for that reason it should not be relied upon.
With the police report and assuming everything you said is true you can report the vehicle as stolen to your insurance company. While you did give permission for him to use the car it was limited and was to be returned by now. You can now negotiate with your insurance company for them to pay you the value of the car. Also make sure by unauthorized use you want the police to now consider the car stolen. As an aside your insurance company will not cover an accident if the use was unauthorized as you have reported. You should really meet with a civil attorney to help you recover from the insurance company.
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline