Originally Posted by CB04
I was hoping for any advice or people who have been involved in this situation who may be able to help out?
What you have to understand is that the truck owner's insurance company is not your insurance company and owes you nothing until a court of law says the owner is responsible and for how much.
Even without a police report of the "stolen" truck if her insurance claims rep believes her story then he has every right to deny your claim.
What you'll have to do is somehow prove that the truck wasn't stolen but was used with permission or constructive permission meaning perhaps by a boy friend, relative, roommate, somebody with access to the keys and the vehicle.
Unfortunately, I don't have any suggestions as to how you can do that, unless you want to hire a private investigator.