If your stepdaughter lives in your home and was not on the policy, some insurance companies will add the child and you will have to pay a higher rate. It sounds like your stepdaughter was not on the policy. If she doesn't live with you then you can argue she is borrowing the car and depending on the contract you have with the company, that may be acceptable. If she lives with you and drives the car and you didn't list her then they can deny the claim based on fraud. The reason they charge you more for children is because they crash more often due to a lack of experience driving among other reasons. If you wanted them to take that risk and pay the claim but you don't want to pay for them to take that risk, then they will probably not pay.
Paying more for your insurance doesnt gurantee any better coverage or better protection in an accident.
They have to pay for your repairs themselves
Usually, it is the responsibility of the owner. However, if you have insurance on your vehicle, they will step in as secondary coverage...including covering the damage to the vehicle you were driving, if you have the coverage.
If you are listed as a covered driver on the Insurance Policy then yes they will pay the claim whether you are licensed or not. Most Insurers will not offer you an auto insurance policy to begin with if you are not licensed but some will.
No, the accident occurred between the two parties, a police report is not necessary. Your insurance company can take the information regarding the accident. A police officer may write a citation based on the story that is told, but he cannot testify that he witnessed the accident so his involvement is generally useless.
Who has insurance and who has license, is a non factor in determining liability for the accident. The person who is at fault will be based upon the police report and who caused the accident. You have no insurance, and have left yourself wide open to a judgment against you that could cost you plenty. You chose to drive without insurance, and in doing so you will be require to accept responsibility for your actions. You do not even have uninsured motorist insurance to cover your damage even if the other driver is at fault and cannot pay. You were not insured, and will now pay for that mistake.
it doesnt
If your 16 year old has no drivers license but drives your car and has an accident, your insurance premium could be negatively affected.
In most cases they will not need Prescription Drug Coverage as it is covered under the HMO. If you have any questions contact an insurance professional.
its the owner of the car. since they let the driver borrow the car (even if you didnt know they didnt have a licence) is responsible because if they were unsure they should have asked to see the licence before lettin the driver orrow the car
NO your insurance will not pay because you were drinking and driving which is ILLEGAL. You were at fault. It doesnt matter if you were stopped and the other person hit you you were still driving under the influence. YOU SHOULD GO TO JAIL.
It's on your car insurance.