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If you have full coverage can the insurance adjuster deny your claim if your 15 year old son took your car without permission and wrecked it?
Coverage depends on a couple of things. What type of policy you purchased, and/or whether or not your son is an excluded driver on your policy.
Since your son is a household resident and therefore considered to have access to the keys, he is a legally defined permissive use driver even if without your knowledge, this situation can not legally be considered a theft.
Named driver policies only provide coverage to those named on the policy. There are no exceptions. The policy is cheaper but you can't just hand your keys out to anyone anymore no matter who they are. Limited Lines polices can be more affordable but coverage for unlisted divers is not provided under any circumstances.
If you have a standard form auto insurance policy and your son is not excluded, then you should have coverage even though your son took it without your knowledge. if this is the case, call them back and tell them you need the claim reviewed by a senior adjuster.
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Depends. I think they may pay for it if you press charges against your son for theft.
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Yes, obviously the young man would not have been a licensed driver and therefore not validly insured.
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The law presumes (as do insurers) that parents of minor children are financially and legally responsible regardless of the act. The insure has no legal obligation to pay a claim under such circumstances.
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A parent cannot request a minor child be charged with a criminal act as described as the child was in the custody of said parent and the parent is held directly responsible for the minor child's action regardless of the circumstances.
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Can insurance companies automatically add new coverage to your policy without your permission?
They should not unless you did not sign a waiver of coverage.
How long you need to wait a decision from an insurance company If somebody took a car without your permission and had an accident?
You can contact the Insurance Adjuster as soon as you like. He or She will tell you approximately how long the process will take. Contact the adjuster if you do not hear from them in the stated period. DONOT CONTACT THEM MORE OFTEN. They can and will delay the process if you are "Dificult"
If your car was taken without your permission by a friend who then was in an accident you did not have insurance at the time will her full coverage insurance cover the cost of your car's repairs?
Generally yes, her insurer should cover it, but ONLY in the instance that it was driven WITHOUT permission. You must make that clear, and your friend must admit to that as well. Her rates may be hiked.
Can you drive a mans car without permission from his spouse?
I would not drive a man's car if his wife said I couldn't no matter what. Legally, the person who is the policyholder on the insurance and the owner of the vehicle has to give you permission to drive. If you drive it on a regular basis, you must be listed as a driver on the insurance policy. If you drive the car without permission, and have an accident, you will not have coverage under the insurance policy.
If a car owner has full coverage on their vehicle including uninsured motorist can they allow someone without any insurance to drive the vehicle?
It is my understanding from my insurance company that if I "give permission" for someone to drive my vehicle and I have full coverage then my vehicle is covered. Recommend you ask your insurance carrier this question, they will be happy to give you an answer regarding your policy.
Can you drive in NJ without personal insurance coverage?
no
Can you have homeowners insurance without wind coverage?
yes
Can I buy guaranteed issue life insurance with no medical exam without the person knowing it?
Usually, the insurance company will require that the insured person give permission and sign the application for coverage. In addition, you must have an insurable interest on the person you want to insure for life insurance.
Can you buy full coverage car insurance without liability?
No
What is windscreen car insurance coverage?
Windscreen is an optional car insurance coverage for your insurance policy. It means your damaged windscreen can be repaired without recurring costs and no effect on your no claims bonus.
How can you get money for your car being used unauthorized and totaled?
In order to collect on your own insurance you should have reported the car stolen or at least filed a police report that the person who wrecked it took the car without your permission. That is a serious offense. If you don't have that type of coverage then you must sue the person who wrecked it.In order to collect on your own insurance you should have reported the car stolen or at least filed a police report that the person who wrecked it took the car without your permission. That is a serious offense. If you don't have that type of coverage then you must sue the person who wrecked it.In order to collect on your own insurance you should have reported the car stolen or at least filed a police report that the person who wrecked it took the car without your permission. That is a serious offense. If you don't have that type of coverage then you must sue the person who wrecked it.In order to collect on your own insurance you should have reported the car stolen or at least filed a police report that the person who wrecked it took the car without your permission. That is a serious offense. If you don't have that type of coverage then you must sue the person who wrecked it.
What does pay for knee replacement?
The amount for a knee replacement would be between $20,000 and $35,000 without insurance coverage. If there is insurance coverage, the out of pocket expense can be lowered.
