0
To be straight to the point......No, there are certain conditions which will deny coverage for instance living with a gf and she drives your car regularly and she is not rated under your policy there is a chance your insurance company will deny your claim
Wiki User
∙ 13y ago
Add your answer:
Earn +20 pts
You are insured as a second driver if you have an accident will you be covered?
As long as you are listed as a driver on the policy and an accident occurs in a covered vehicle, then yes you will be covered under the terms and conditions of the policy just as any other driver on the policy.
Does insurance cover a permitted driver?
You need to read your policy carefully and talk with your agent. A permitted driver is usually covered. However, if the driver lives with you and you don't have them listed, they are not covered. If they are a regular driver and are not listed, they are not covered. If they have a suspended or revoked license, or if they have no license, you are not covered. It is best not to allow others to drive your car under any circumstances. If they have an accident, it is on your insurance, and the company will add them to your policy even if they cover them.
Does insurance cover the vehicle if the driver does not have a valid license?
It all depends on the policy. If the unlicensed driver is a named insured and the policy is active then they will be covered. If the unlicensed driver is excluded from coverage then naturally there is no coverage for them. If the unlicensed driver is not a named insured and also not excluded, Then technically they still are not a covered driver, although, coverege may still apply under the owners auto policy depending on the circumstances of any accident and the owners liability under permissive use rules if the vehicle owner allowed an unlicensed driver to operate the vehicle.
Does full coverage insurance cover any licenced driver?
If they are added to your policy as a scheduled driver yes they will be considered a covered driver.
Can I add a relative to my policy that do not lives with me?
Yes, You can add any person to your policy whom you wish to designate as a covered driver.
Will AARP cover a minor accident if someone else was driving your car?
ANY driver with permission to drive that car by the owner is covered under that car's insurance policy. Insurance goes with the car...not the driver.
Can you have a car loan in your name and someone else carry the insurance on the car?
Your name must be on the insurance policy, otherwise you are not a covered driver under that insurance policy. Failure to disclose a known driver can void any coverages afforded by the policy and is a well known form of insurance fraud.
Is a motorcycle covered under homeowners if involved in a garage fire?
Any motor vehicle is not covered under the HO policy.
Are your children insured under your car insurance?
If your children are listed scheduled drivers on your insurance policy then they are covered. If they are not a scheduled driver then maybe they are and maybe they are not. It depends on the circumstances. For example. If your children are grown and do not live with you and only drive your vehicle on an occasion when they might come to visit you, then they would be covered under permissive use rules on a standard auto policy form. If your children are household residents then they must be scheduled on your policy to be a covered driver. The Insurance company can deny all claims from the injured parties and offer no coverage for the vehicle being driven as well. Check your policy type. If you purchased one of the cheaper limited policies or a named driver policy, then there is no coverage for other drivers regardless of who they are or any permissions that were given. Failure to add a known driver to your policy is considered Insurance Fraud by concealment and could subject the insured to cancellation, non renewal and can void all coverage under your policy. Basically any one who has regular access to your vehicle and is not scheduled under the policy is an uninsured driver.
What if the person who hit you does not have a license but has insurance?
If the insurance policy is active and valid and the driver is a covered driver then you file your claim just as in any other accident.
Is a non covered driver on your insurance covered if he is involved in an accident?
You need to read your contract, in most states any legal driver over 25 is covered on any policy and on some policies cover everyone with A valid license. Also if the person is using your insurance to cover damages they caused, You can sue them for costs. The policy is yours not theirs.
If you are a passenger in an uninsured driver's vehicle does that mean that you are not covered either if he has an accident?
If you mean are your medical bills covered -- and assuming your state requires medical coverage on auto insurance policies -- then, no, you wouldn't be covered by any policy of the driver's since, of course, no policy exists. However, if you have your own auto policy, that policy would then become primary. After that, your health insurance would be primary. Unfortunately for the uninsured driver, if you do have to go through your own health insurance, there's a big possibility that they will go after the driver for any payments they make, particularly if a driver is legally required to carry auto insurance in your state (again, insurance that included medical coverage).
