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If your daughter's car was totaled by an unlicensed driver running a stop sign can the insurance company refuse to pay because the car was insured under her mother's name?
Wiki User
∙ 16y ago
The company will not admit liability....but they may still pay. If the unlicensed driver was operating the car with the parents permission...the parents are liable. The parents are liable for the actions of any minor child...so if the child is young and I mean not driving age...they better get the company to step up and pay whats fair to you. If the parents say...No we did not give permission, you don't give up...get a lawyer and take them to court. Doing so brings in the insurance company...and it will get settled. I know of parents who excluded the daughter, or son from their policy...exclusions are written agreements , signed at the insurance company , that the parents don't want a driving aged kid coverd by their insurance. ( The rate is cheaper-No kids) Later the parents let the kid get a license, and routinely let the kid drive the cars...exclusion still in effect. CRASH goes the kid...The company does not owe for even the collision damage to the parents fully covered auto...because the kid did it...and the exclusion states they are not liable for anything the kid does...HE IS EXCLUDED FROM ANY AND ALL THAT THE KID DOES. The Parents Owe...they knew, they let the kid. SO, Take their house, the boat , the summer cottage, and whatever else it takes to cover what they owe. Don't get your hopes up, if the parents say the driver did not have permission, you probably won't win in court period. The policy is pretty specific about this and people driving the vehicle without permission are not covered period. You may have a hard time finding a lawyer to take the case. Best bet is to have your own insurance pay under Uninsured Motorist coverage. Claims under this coverage should not be held against you and your rates should not go up.
Your insurance company should pay you for the total, assuming you had comprehensive/uninsured motorist coverage. Let them battle it out with the other party's insurance company, it's not your problem. That's why you have insurance!
Wiki User
∙ 16y ago
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You have motorcycle insurance but no license will it cover?
Depends on the insurance company. There are companies that will insure unlicensed drivers.
If unlicensed driver in New Jersey takes his mothers car without knowledge and gets in an accident what will happen with court and insurance?
Your mom could loose everything by being sued by the other drivers insurance company. Because you are unlicensed and took the car without permission her insurance company will not cover the accident and you are likely to get a ticket.
Will the insurance company pay for the damages caused by their driver if the injured victim is driving unlicensed and the car has been totaled?
Let's see if I can follow this. Insurance company A is at fault because of actions caused by driver A. Driver B who is not at fault is injured, but is unlicensed, and Auto B has been totalled. Insurance company A is going to have to pay damages to Driver B for property damage as well as for injuries because Driver A is deemed at fault. The fact that Driver B is unlicensed is a non-moving violation and Driver B will have to pay a substantial fines for these issues.
Can an unlicensed owner of a car insure it?
No If you own it, you have an insurable interest and can buy insurance. The company will want to know who will be driving.
Is a unlicensed driver covered by insurance?
Yes,as long as insurance is up to date they must honor contract.Depending on company they may also drop you depending on circumstances afterwards.
What if an unlicensed driver got into a car crash borrowing your car without permission?
Your insurance will likely cover the liability costs less deductibles. You may be forced to file charges for vehicle theft against the unlicensed driver and your insurance company may also sue him.
If you hit an unlicensed driver will your insurance pay for damages to his car?
This will depend on the type of insurance coverage. The insurance company can decide to go to court and argue that since the driver was uninsured, then they should not be liable for damages.
Is an unlicensed driver automatically at fault?
An unlicensed driver will probably get cited for not having a license and may even get their car impounded, but is not automatically at fault. The person that the police and insurance company determine caused the accident would be at fault.
Is an unlicensed driver crashes a vehicle that is insured what happens?
Technically, the insurance company should cover the costs of the other vehicle. If the unlicensed driver took the vehicle without permission, the owner may even be able to collect on the collision insurance to cover part of their expenses, but if he/she does that he/she will probably have to show a police report that the unlicensed driver took the vehicle without permission and that it was technically, automobile theft. On the other hand, the insurance costs for the owner may to up dramatically whether the owner gave permission or not. It all depends on the insurance company and how they view the circumstances. The unlicensed driver may not be allowed to get a drivers license for several years, depending on state laws.
Do you need U.S Drivers license to buy car insurance?
Yes, you will need a driver's license in order to purchase a car. An insurance company wouldn't accept the risk of insuring an unlicensed driver.
If you are hit by a unlicensed driver on a permit driving another person's car that had liability insurance can you sue the owner or the insurance company for your injuries?
Yes, without a doubt. The owner bares the true responsibility.
Will insurance company cover damage to parents car when unlicensed teenager crashes?
No. Unless you had the teenager on your policy, but at the same time you knew that the teenager was unlicensed! So, get the teenager licensed and put him on your ins. policy and then teach him how to driver safely and not crash.
