My car was stolen in January and I've been fighting with my insurance for 3 mos now. They recently called me and told me they are finally going to pay the claim. The entire car will be covered but there was an additional bill from the city of Fed Way, WA in which they were charging me over $2000.00 for the damages that were done to some trees that the car had hit. The police officers at the scene did not put the car down as stolen and the insurance did a lengthy investigation but came to the conclusion the car was in fact stolen and so they paid. My problem is the insurance is refusing the pay the damages to the trees because they said since the car was in fact stolen that they nor I are legally responsible for that bill. My question is, is the insurance just trying to get out of paying that part of the claim or is the agent speaking the truth. The agent told me that I need to get in touch with the City of Fed Way and basically deal with them on it and that they are not going to pay it. So am I legally responsible for this bill even though someone stole the car and did the damages. The person that stole the car was never caught? Please advise. I need to call the City of Fed Way back but would like to know my rights before I call them. Appreciate any feedback that might help!