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Someone posted something about California...where here's a bit of Texas experience.
My mother loaned a car to a woman in her building...this woman claimed that a friend of a friend took the car for a ride.
Well anyway...the police would not do anything about it at all because technically it wasn't stolen...it was just "borrowed."
The only recourse available to my mother was to go to civil court...well long story short about 5 months later they found the car in a convenience store parking lot in fairly decent condition...my mother just had to pay to get it out of the impound lot.
She only had liability on the car at the time so I don't know about the insurance question...but my experience with insurance has always been in the end they usually screw you.
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