If your car is stolen from your driveway and the thief damages someone else's property while driving the car who is responsible Does your insurance have to pay for the damage that a thief caused?

I'm pretty sure a lot of that depends on local laws, and also your insurance policy. I daresay you wouldn't have to fork out anything except your premiums for covering the cost of your car being stolen. As for the damage to the property, that is then the theif's responsibility to pay for, by serving a sentence in jail, then the government would compensate the owner of the house. That's how it would happen by my local laws. I'm not too sure if it would be the same for you though. Hope this helps a bit. I think the short and simple answer is that the damage to your car will be covered by your "Other than Collision" coverage subject to your deductible and the damage done to other peoples property is between them, the thief, and their insurance company.