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Is your 17 year old licensed daughter covered if she drives your cars covered for insurance?
Wiki User
∙ 12y ago
If your teen is a Licensed Driver and a member of your household or a minor ward and you have failed to disclose (Concealed Drivers Fraud) by adding them to your insurance policy, then she is not a covered driver under the terms and definitions of your auto insurance policy.
However, Since parents are liable under the law for the acts of a minor child, Your insurance company may be required to pay for the accident as a negligence claim against the insured parent.
If your insurer determines fraud on your part, they are not required to pay any claims arising out of fraud. In fact the law prohibits the insurance company from paying known fraud claims.
Depending on the internal operating policies of your insurer, they may or may not cancel the policy if concealment and negligence are determined.
Wiki User
∙ 12y ago
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If someone with a learner's permit drives a car that is insured but the licensed driver in the car is not listed on the policy are they covered?
If everyone was legal, yes, a collision should be covered by the insurance company.
Does full coverage insurance cover my car if someone else drives it?
Auto Insurance covers the vehicle, not the driver. As long as you give permission for a legally licensed person to drive your car and they are properly using the vehicle (i.e.: not racing) your vehicle is covered.
Will your insurance cover your married daughter who drives your car?
Yes, as long as you add her as a regular driver on your insurance policy.
If a 16 year old drives my am I covered?
Depends on your insurance, I am coming to that situation myself. I plan on calling my insurance agent
Is your 18-year-old grandson covered by State Farm insurance if he drives your car?
Your grandson is covered to drive your vehicle if he meets the following criteria: He is fully licensed He does NOT reside in your household, He has been given expressed consent at all times to drive the said vehicle by the owner/insured person.
If your 21 year old daughter who is covered on your insurance policy drives another person's car is that owner's insurance liable in case of an accident or is yours?
That will depend on the laws of the state you reside in. You can get detailed information at your state's department of Insurance - they probably have a web site. It will also depend on the language of your auto policy - read section regarding "Other Insurance".
What type of insurance do you need in order for anyone to be covered that drives that vehicle?
There is no such policy. All auto insurance contracts require disclosure and scheduling of all drivers for coverage.
How do you set up the Sportage to be towed by a MotorHome?
If someone without a valid drivers license and without car insurance drives a car that is covered by car insurance, does that insurance pay for that uninsured driver if they have a accident?
Will auto insurance cover a test ride on a motorcycle?
I could be wrong, but I would think the motorcycle dealership would have insurance for their vehicles that would have it covered for things like test drives.
What is the difference between a non rated driver and an excluded driver?
Nonrated: Person is covered if they drive the vehicle(s), but generally not affecting the premium. (Usually this means they are a licensed household member, but they have their own separate vehicle and insurance policy) Excluded: Person is generally not covered if they drives the vehicle(s) on the policy and there is also no premium being charged for them. this is not offered by every company. Rated: Person is covered and they may affect the premium.
What are the benefits and risks of commercial liability insurance?
Yes, if a lot of people drive the vehicle, you need insurance to cover everyone who drives it. Although typically the insurance goes with the person, so as long as your people are covered, the vehicle is.
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.
