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If your 18 year old child owns his own car can you put him on your auto insurance policy and are you liable if they get into an accident?
Wiki User
∙ 14y ago
in some places yes
Wiki User
∙ 14y ago
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A minor child with no license hit my car will her parents auto insurance repair my car?
As the driver is a minor child, the Custodial Parent or other Custodial Entity is Financially Liable for the acts of the minor child. An auto accident may or may not be covered under the Custodians Auto insurance Policy depending on whether the child is covered or excluded from coverage on that Policy.
How liable is a parent if a child is on their own insurance ploicy and they are 17?
Full liability, as the child is still a minor and the parents are responsible; on the other hand, at the age of 17, a teenager cannot legally enter in a contract, so the insurance policy is void and the insurance becomes just as liable.
What can you do if your rates jump because of your child who will not be driving your car again?
Well if your child made rates jump due to an accident, you need to change insurance companies and exclude that child from the policy.
If teenager isn't on insurance are they covered by parents policy?
NO, All drivers are required to carry insurance and be scheduled on an auto insurance policy. if he's not on the policy then he is not a covered driver. Although your company may be required to pay for an accident in which your uninsured teenager is involved. they would not be paying because he was covered, but rather they would have to pay due to the parents negligence in failing to obtain proper insurance for their teenage child and because they allowed the uninsured child to drive the vehicle. The insurer is often liable to pay for the negligence of the insured. Don't confuse this though with an assumption that the uninsured child was somehow covered simply because the insurer had to pay.
Is a noncustodial parent liable for a minor child's accident if it is in the custodial parents car?
no
Are dependents not added to policy still covered?
That depends on what your talking about. If your dependents are driving your vehicle then they are required to be scheduled as a driver on your policy before they are considered an insured driver. Failure to schedule known drivers on your insurance policy is well known form of Insurance fraud and can void any coverage from your policy should they be involved in an accident while driving. Your insurance company can deny liability and refuse payment. Of course if your dependent is your minor child then you as the parent are still liable but you will have to pay out of pocket should this occur. If you mean are they covered for injury while a passenger in your vehicle when you are driving then yes.
If a minor child living with a custodial parent gets into a wreck and the custodial parent canceled the minor from the policy can the non custodial parent be liable?
No. The parent with custodial rights is totally liable especially since the child was living with you while it happened.AnswerThat depends on several factors such as why the coverage was canceled, when it was canceled, who allowed the child to drive the car, whether the issue is addressed in the separation agreement, etc. If the custodial parent canceled insurance coverage for a reason and the non-custodial parent allowed the child to drive in spite of the cancellation, the non-custodial parent may be liable. If the child wrecked a car and as a result the custodial parent canceled the insurance coverage so they could no longer drive, the non-custodial parent would be liable if they continue to allow the child to operate a vehicle.
Is policy holder health insurance automatic guarantor of step child?
In medical insurance, the policy holder of the policy is not automatically the guarantor of a step child. To become the guarantor of the child a formal adoption should have taken place, or the child can be added to the policy.
Do I have to report to my insurance company that my 16-year-old just received a driver's license?
Yes, if the new driver lives at the insured address or will operate one of their insured vehicles. Failure to report your child's license may result in the insurance company denying coverage and/or canceling your insurance in the event your child causes an accident, or is involved in an accident with an uninsured driver, even if your child is not at fault. Depending on the laws of your state and your individual policy restrictions, your child may also be liable for any accident caused while driving another person's vehicle (sometimes the insurance follows the driver; sometimes it follows the insurance). The best course of action is report your new driver and pay the increased premiums to avoid the possibility of paying costly damages out of pocket. For more information about teenagers and legal requirements in your state, you can use the Related Link, below, to access drivinglaws.org.
Can the insurance company at fault deny paing for treatment to injury from auto accident?
Sure. Remember that an insurance policy is a legal contract wherein the insurance company agrees to accept risk from the policy holder according to the terms of the contract. If the policy holder does not live up to the terms of the contract then the insurance company may deny coverage. For example, if the person lied to the insurance company on the application then the insurance company may deny coverage. One of the terms of the policy is that the insured agrees to inform the insurance company of all residents of the home as well as regular drivers. If the insured does not list his 17 year old child who drives one of the vehicles regularly and lives in the house and then the child has an accident the insurance company could not be expected to provide coverage for the accident. Since the insured broke the terms of the policy which is a legal contract then the company probably will not provide coverage because the insured committed material misrepresentation and lied in a significant manner on the application.
How old does my child need to be to withdraw his life insurance?
Normally, your child can withdraw their life insurance when they are 18. However, this may vary from policy to policy and between different insurance companies.
Will your auto insurance cover your child?
If you add the child as a driver on the policy.
