Your friend's comprehensive coverage should cover her car since it was stolen. If the car was recovered the insurance company will determine if the car can be repaired or if it will be declared a total loss.

Insurance companies will not typically pay for such damages to other cars which were hit while a vehicle was in control of the person who stole it. The person that stole the vehicle did not have permission to operate the vehicle. Insurance companies almost always deny claims if the person driving the car was an unauthorized driver.

State laws can differ but generally your friend will not be held accountable for damages caused while the vehicle was out of her control and being operated by the thief. If the person that stole the car is found, he or she should be held responsible for their actions while in the vehicle that they took without permission.

Usually there is no liability on the owner of a stolen vehicle since they cannot be held responsible for what a thief does in their car, thus the owner's insurance company would not owe on the property damages claims of others wronged by the thief.

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