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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.

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Q: 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?
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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?

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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?

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Will your insurance cover an accident if someone else was driving your car with a revoked license?

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Will auto insurance provide coverage for accident when violating daytime driving restricted license?

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Do you have to have insurance if your under 18?

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Where can you get auto insurance without a license?

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If your 15-year-old sister is getting her license but not a car will she need car insurance in California?

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Can you be on someone insurance policy with a suspended license as a non driver?

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