Houston, TX asked in Small Claims and Car Accidents for Texas

Q: Who has to pay for my stolen tires?

My car was at the repair shop due to an accident from an insurance claim. While there the fence was cut and my car along with three others had their tires stolen. I am being told to contact my insurance and file a claim so that the repair shop can pay the deductible. I do not understand why my insurance would be involved at all because the only reason my car was there was because of a claim on another insurance company. I would think either that insurance company or the repair shop would be responsible. Please advise

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1 Lawyer Answer
John Michael Frick
John Michael Frick
  • Personal Injury Lawyer
  • Frisco, TX
  • Licensed in Texas

A: Most vehicle owners maintain a type of coverage called comprehensive coverage to insure their vehicle against things like theft and vandalism.

This is particularly useful when the perpetrators of theft or vandalism are unknown.

Since a repair shop or parking garage or shopping center, etc is not usually legally responsible for the acts of thieves and vandals, comprehensive insurance helps owners pay for damage or replacement parts in such circumstances.

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