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Will your insurance cover your car if your son is not on your policy?
Wiki User
∙ 11y ago
More than likely they will not pay the claim as you violated the terms of the policy by not making them aware of all drivers and household residents. This is called material misrepresentation of the contract. If you don't pay the premium for your son to be on the policy why should the insurance company be liable for an accident with him driving.
Wiki User
∙ 11y ago
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If your 17-year-old son who is not on your insurance policy totaled your car and no other vehicles were involved will your insurance cover the damage?
Insurance laws differ state to state. The most logical thing to do is to call your agent! Does your son have his own policy? Is he listed on another policy? If the answer to those are no, in MA your answer is no! 4lifeguild
Son not listed on insurance policy in Ma totaled my car No other vehicles involved no injury Will my insurance company cover me?
If you gave him permission to use the car (called "Permissive Use") you should be covered. Your insurance rates will likely go up.
Am I considered an uninsured motorist If I am driving my son's car which is fully insured and driving with permission but I do not have insurance and at fault in an accident?
No. The car is insured and your son's policy will provide coverage up to its policy limits.
If your son is a learner driver with you in the car does he still need insurance?
So long as your son has your permission to drive your car, he is covered under your insurance policy. (As long as he has a valid driver's permit or license)
Your son was driving his friends car with permission and got into an accident - does he have to pay top fix the car himself or does insurance cover this.?
That depends on the insurance that you and the friend have. Your insurance may cover your son in any vehicle. Same as with the friends insurance covering any driver. You just have to call and ask.
Will insurance cover a wreck if my son only has permit and was driving alone in Texas?
As long as your son was on the policy or had permission from the owner of the vehicle to drive it, he should be covered.
Can son be put on your insurance if he owns the car?
Yes, Not only can he be put on the policy with his car but your Insurance Contract probably requires it. Concealment of a known operator or the owner from the Insurance company is a well known form of Insurance Fraud.
Which of the California car insurance providers offer the lowest rate on a comprehensive policy?
The premiums for a comprehensive car insurance policy for your son depend upon many factors. These include the type of car, his driving record, where the car will be located, the distance he needs to commute and other factors.
Are you personally liable for damages your grown son incurs while driving a car registered and insured in your name with him legitimately listed as the primary driver?
If it is your carIf the car is registered in your name, you will certainly be included in the lawsuit if the damages exceed the limits of the insurance. AnswerIf your grown son has his own insurance that will cover his car and any other he might be driving,then he is responsible.Now, how old is you grown son?? If he is underage, you are responsible. If he is 18 or older again, he should be held responsible unless he has no insurance other than your policy. Which in that case, you and your insurance is responsible.
Do you need to turn in an accident if you let your son borrow your car?
Yes, if there was damage to another's car or property so your insurance can cover it.
Will auto insurance cover an accident if one is at fault however the driver in the other vehicle is not the owner of that car and is not on that car's insurance policy?
Yes, your auto insurance will payout to the other party involved in the accident. Your auto policy covers "you" from any financial loses. So in retrospect you wont have to pay the damages you caused to the other veichle. Concerning the party that is not the owner nor on the car owners policy, the car owner's auto policy covers the car and any lawful driver aslong as their were no "misrepresentation" on the insurance application/contract. By misrepresentation I mean, at the moment the car owner signed the application and contract he wasto state any material facts that could change the underwriting decision such as premiums. For example, if the car owner has a son who will also drive the car, the car owner is obligated by law to diclose that to the insurance company. In the event that an accident occurs and a "undisclosed driver" was operating the veichle the insurance has 2 options. 1. He can Void the policy/contract and not cover the auto owner. or 2. He can cover the auto owner and payout damages but later sue in a court a law that amount and underpayed premiums for the time the policy was active and the undiclosed driver was operating the car. *Note" In rare cases, an insurance company will cover the "undisclosed driver" aslong as the difference in the premium is paid.
If your son away at college borrows a friend's car and has an accident and even though the friend's insurance applies you are sued for damages does your policy cover this under a non-owned definition?
NEED MORE INFO... IS YOUR SON ON THE POLICY , DOES YOUR BYLAWS OF POLICY STATE NON OWNED VEHICHLE MEANS ANYONES CAR THE PEOPLE ON THE POLICY ARE IN OR DRIVING. ALL STATES AND INSURANCE LAWS VARY THIS IS SOMETHING YOU SHOULD POSE TO INSURANCE AGENCY OR IF YOU DONT WANT TO MAKE THEM AWARE WHICH I WOULDNT KNOW HOW BECAUSE MOST STATES REQUIRE DRIVERS TO OWN CAR INSURANCE FOR THE PERSONAL INJURY PORTION OF AN ACCIDENT, IN THE EVENT THERE IS NO VEHICLE DAMAGE, YOU CAN GET INTOUCH WITH AN INSURANCE 1(800) HOTLINE LISTED IN YOUR PHONE BOOK OR CALL THE INSURANCE DIVISION OF YOUR STATE GOVERNMENT..GOOD LUCK
