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What if you are driving your mother's car she has full coverage and you are not on the policy and no license and you wreck the car?
Wiki User
∙ 13y ago
not on the policy=not covered. no license=not covered.
While this is basically true, you need to know some of the reasoning, so the issue does not recur.
Insurance is a transaction where, in return for money (the premium), the insurance company agrees to assume certain losses caused by events(risks) defined in the policy (a written contract). The alternative to having insurance for a risk is to be personally financially liable for damages resulting from the risk.
For the insurer to accurately determine what to charge for assuming a risk, it needs to know the risk factors. In the case of car insurance, these include the make and model of the car, how it is used, by whom it is used (authorized users), the experience/age of the drivers, and various other factors. While insurance rates (from which premiums are derived) are regulated, state insurance regulators recognize the foregoing as valid factors in setting rates.
In your case, your mother's premium was apparently set based upon her being the only driver. You were not a licensed driver, and therefore, right off of the bat, cannot be legally driving (unless you were learning, with an adult in the car). Assuming that not to have been the case, the insurer could not factor into the risk it was assuming a premium for you, and therefore, it denied coverage. There was likely also a provision in the policy stating expressly that there would be no coverage for a collision when an unlicensed person was driving.
Wiki User
∙ 13y ago
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What if you are driving your mother's car and she has full coverage and you are not on the policy and you have no license?
it is cool..... fun.... and sort of mad... but really cute..
Will liability auto insurance policy cover a person driving your car if they have an out of state drivers license or an expired license?
It depends on why they were driving your car and on what type of insurance you bought. If you bought the cheapest coverage, usually a limited or named driver policy then there is no coverage for anyone other than those named drivers listed on the policy. If the driver was a known driver that you failed to disclose, "concealed drivers" when you bought the policy, again there would be no coverage regardless of policy type due to fraud. If your not sure about your coverage just call and ask the company or contact your insurance agent for clarification.
Whose auto insurance will cover me if I am driving another person's car with a temporary license?
Auto insurance follows the vehicle so the policy that is covering the vehicle you are driving will provide the coverage.
Does insurance cover a wreck if your license is suspended?
Insurance and Suspended LicensesYes, If you auto insurance policy was active and in force at the time of your accident then they will cover the losses to the extent and limits of your policy coverage. Bare in mind taht if the Insurance company was not previously aware of your license suspension and depending on the reason they may decide to cancel your policy.AnswerTypically, no. One of the conditions of coverage generally is the existence of a valid driver's license. If the license was suspended but you were nonetheless driving, the insurer may well have a coverage defense.
Does texas liability insurance cover a person driving your vehicle that has a out of state drivers license. What about if it is EXPIRED and OUT of STATE?
It depends on why they were driving your car and on what type of insurance you bought. If you bought the cheapest coverage, usually a limited or named driver policy then there is no coverage for anyone other than those named drivers listed on the policy. If the driver was a known driver that you failed to disclose, "concealed drivers" when you bought the policy, again there would be no coverage regardless of policy type due to fraud. If your not sure about your coverage just call and ask the company or contact your insurance agent for clarification.
Will your insurance cover an accident if someone else was driving your car with a revoked license?
Barring any exclusions in your policy if the driver had your permission to drive they will be considered an insured driver thus afforded coverage.
Will auto insurance provide coverage for accident when violating daytime driving restricted license?
Why would you even want to consider a question like this? If a person is restricted to driving only in the daytime that means their license is not valid after dark. If you allow someone to drive when they do not have a valid license they may not be covered, they certainly are not legally driving. Also, the driver must be listed on the policy as a driver and you have to have given the company all their information like their drivers license, date of birth, driving record, etc.
If a young teenager was driving a friends car and did not have a driver license she had a wreck what will the insurance companies do even if the car was insured she still had no business driving?
Generally if the owner gave the driver permission there will be coverage awarded, subject to any policy exclusions of course.
Do you have to have insurance if your under 18?
If you want to drive a car you need to have a valid driver's license and the car you are driving must be insured. You don't necessarily have to have your name listed on the policy if you are only borrowing the car from a friend. Be careful though there can be limitations on the coverage in some states if you are not a listed driver on the policy covering the car you are driving.
Where can you get auto insurance without a license?
Do you own a vehicle that needs coverage, but you will NOT be driving it ? Contact an agent or agents to get quotes and see if you can get a policy. I can't think of any other reason (other than the one I have mentioned above) that you would need insurance without a license.
If your 15-year-old sister is getting her license but not a car will she need car insurance in California?
She will need to be insured for any car that she is driving. Generally the insurance "follows" the car not the driver but there are exceptions. For example, if she is driving the family car she will need to be included in the policy coverage.
Can you be on someone insurance policy with a suspended license as a non driver?
Most insurance companies allow household members can be excluded if their drivers license is suspended. By signing an exclusion form this means that there is no coverage at all if the excluded person is driving one of the covered vehicles and a claim occurs.
