If you witness a 16 year driving a stolen car while drunk, it is your responsibility as a member of society to either stop him (if possible) or notify the appropriate authorities. The owner of the vehicle is not usually notified of the crime until after the fact. And any damages incurred to the vehicle are not paid by the police or arresting individual.
If you own a car that CAN be stolen and used to commit property crime, then you assume a certain responsibility to do everything possible to prevent this. If after that, it is still stolen, then any damages that happen to it are your problem (and your insurance company's).
If you leave the 'keys' in the ignition and the doors unlocked, don't blame me for the flat tires my spike belt inflicts while trying to protect my family!