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Sorry man, S.I.L. is on her own for this.
I could go into a big long explanation but the long & the short of it is that the owner of the vehicle (and by extension their insurance company) is not liable because the vehicle was being driven unlawfully (stolen). If your S.I.L. had collision coverage it would be repaired subject to her deductible but would show as a not-at-fault claim.
Even if they caught the douche, it's not like the guy would have the cash to pay out of his pocket to repair her vehicle.
Last edited by Masked Bandit; 09-30-2014 at 04:54 PM.
"Masked Bandit is a gateway drug for frugal spending." - Unknown303