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Absolutely. Say you have an 18 year old in your house that you have not listed on your auto insurance. You allow your child to drive your vehicle and they have an At Fault accident that causes damage and/or injuries to another vehicle. Your insurance company probably will not pay for the claim because you have not been paying premiums to have the 18 year old covered on your policy so they deny coverage. At this point you will still be personally responsible for the damage and injuries. The other parties insurance may pay their damages under their uninsured motorist coverage after which they will sue you personally for reimbursement of all amounts they had to pay due to your lie. If they have to go to court to collect you will also have to pay all legal fees, collection costs, and interest as well. Depending on your state laws and regulations you will often times loose your drivers license until it is paid in full. My advice is if you expect your insurance company to pay when you have a claim then pay them the correct premiums and don't lie to them.

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Q: Can the auto insurance policy holder be held accountable for an accident caused by one of the drivers in their policy?
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It is advisable to call your insurance company immediately in any accident. If you do not, they may think that you are trying to defraud them by hiding the accident.

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Will your insurance company still pay for the damages to your car if your daughter who has no drivers license and who was not at fault for the accident drives the car at time of accident?

Probably not, as most policies only cover drivers not listed on the policy if they were given permission to drive. If you gave your unlicensed daughter permission to drive, then you can be issued a ticket. However, if the accident was not your daughter's fault, then the at fault party is responsible for the damage they caused to your vehicle, regardless if the other party was licensed or not.