What type of vehicle coverage would be utilized if the insured vehicle is hit by a stolen car?

The situation described involves the insured vehicle being struck by a stolen vehicle, which is a scenario where the other party—namely the driver of the stolen car—does not have insurance. In this context, Uninsured Motorists (UM) Coverage is applicable as it provides protection for the insured if they are involved in an accident with a driver who lacks insurance or is underinsured.

UM coverage is specifically designed to cover damages and injuries when the other party is either uninsured or hit-and-run, which coincides with the circumstances involving a stolen vehicle since the driver of the stolen vehicle would likely not have insurance. This coverage often includes bodily injury and property damage, ensuring that the insured is compensated for their losses.

Liability Coverage is meant to protect the insured against claims made by others for bodily injury or property damage that they cause. Collision Coverage covers damage to the insured's own vehicle from a collision, regardless of who is at fault, while Comprehensive Coverage addresses damages from non-collision events, such as theft or weather-related incidents. However, none of these would specifically address the situation involving a hit by a stolen vehicle as effectively as UM Coverage does.