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No, the unlicensed child is not covered under the parents policy unless that child is a scheduled driver on the parents policy. It is illegal to operate a motor vehicle on public roads with out a drivers license. Most parents already know that. It is also illegal to operate that vehicle on public roads without proof of financial responsibility. Fortunately the Parents are insured for acts of negligence in allowing the unlicensed child to illegally operate the vehicle. So basically the child is not a covered driver. Now the Insurance company will most likely pay a claim or loss if the unlicensed uninsured child has an accident. The claim would be paid not because the child was covered but rather the Insurer would be paying a negligence claim against the covered parents.
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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.
Do you need your own auto insurance in New Jersey when you only have a permit or are you covered under your parent's policy?
Most insurance companies cover a minor with a learners permit under the parents insurance because the minor drives while the parent is present. In the state of CO,CA, and WA. Your covered under your parents. Some states may have different laws, but I doubt it. Please check with your parents insurance company.
If a minor has been removed from his parents' insurance since 'he never drives the car' is he covered if he is driving a friend's car?
He has no coverage. Unless the minor gets insurance elsewhere. He would likely be covered as a permissive driver of the friend's car, under the friend's policy.
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.
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 17 year old licensed daughter covered if she drives your cars covered for insurance?
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.
Can your teenage granddaughter drive your car without being insured on her parents insurance?
As long as she has your permission, she can drive the vehicle and she will be covered. If she drives it more than a few times, you should add her to the policy.
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.
Can a son that has no insurance drives parents car?
If your parents put your name on their car insurance, that is you as a named drived you will be able to drive their car. This is often a cheaper way of insuring you to drive a car than having you as the person that takes out the car insurance. You will not be covered to drive other cars however. Their are some insurance companies now aimed at insuring young drivers which is something that you could look into.
If your 17 year old son drives without a license and insurance and is a wreck who is responsible?
Mainly the parents.
If your non-household child drives your car with permission is he covered by your auto insurance?
Yes, however the child should be listed on someones policy as a driver. If the child drives your vehicle with any frequency and is not listed on the other parents policy then I would highly recommend adding them to your policy and pay the extra premium.
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.
