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Your car is struck by another vehicle. You come to find out that the vehicle is indeed stolen and the driver (who happens to be the person who stole the car) is uninsured. The insurance company of the vehicle that struck your car refuses your claim on grounds that the car was stolen at the time of the accident, thereby removing their responsibility in this matter. The person who stole the car did so without the consent of the owner of the vehicle, this is true. It is also true that the insurance company does not have to pay on the claim because the coverage does not extend to this circumstance. Are you left holding the bag; definitely not. File an uninsured motorist claim with your own insurance company.