Not necessarily, Sometimes they will and sometimes they will not. It all depends on the circumstance, your coverage options and the company.
If you mean to say that your child was an injured passenger in an accident then any personal injury coverage would extend to your child passenger.
If your unlicensed minor child took your vehicle without your knowledge and had an accident and the child is not an excluded driver and you do not have a limited lines or a named driver policy, and the child was not involved in the commission of a crime, then most likely it will be covered.
If your child is licensed or permitted and you failed to schedule them on your policy as a covered driver to avoid paying the additional premium then the company could deny the claim based on your concealment of a known risk. This would basically be a form of insurance fraud. Insurance companies are not required to pay claims that result from fraud.
This type of situation varies depending on the actual circumstances and the type of coverage you purchased as well as the internal operating policies of the insurance company you chose for coverage. Some companies do not require you schedule a young driver while they are still on a learners permit while other companies do require the permitted driver be scheduled.
The best advice would be to simply call your insurance agent and ask about your options in this situation. Your Insurance Agent will be most familiar with the companies operations and coverage schedules. If you are using a direct insurer with no insurance agent to advocate for you then you will just be at the mercy of the 800 number telephone representative.
In any event, whether your insurance policy covers the accident or not, The Parent or other Legal Guardian will be financially liable for any losses due to Parental Responsibility laws.
It's always best to schedule all drivers for proper coverage.
Only if you expect your insurance to cover you if the child has an accident. You auto insurance contract states that you are responsible for listing all household members and drivers who drive your vehicles. If you do not do this then you have committed material misrepresentation and the insurance company is then not responsible for paying for the damage from the accident.
Sure. Remember that an insurance policy is a legal contract wherein the insurance company agrees to accept risk from the policy holder according to the terms of the contract. If the policy holder does not live up to the terms of the contract then the insurance company may deny coverage. For example, if the person lied to the insurance company on the application then the insurance company may deny coverage. One of the terms of the policy is that the insured agrees to inform the insurance company of all residents of the home as well as regular drivers. If the insured does not list his 17 year old child who drives one of the vehicles regularly and lives in the house and then the child has an accident the insurance company could not be expected to provide coverage for the accident. Since the insured broke the terms of the policy which is a legal contract then the company probably will not provide coverage because the insured committed material misrepresentation and lied in a significant manner on the application.
If your child has a license the insurance on the car will probably cover it. The company can take the position that they were not supposed to be driving it and are not covered in which case it would come back to you because the child is underage.
Call your insurance company and ask them for the forms you need or what the procedure is to add a child to your coverage.
Its probably not a law that you have to your child to an insurance policy but it may be part of the contract between the insured (yourself) and the insurance company. The application and policy make up a legal contract for your auto insurance. In this contract you agree to notify the insurance company of any and all drivers and household members and you agree to pay the premium. The insurance company agrees to pay claims for the coverage you purchased and to defend you in court should the need arise. The reason the insurance company wants to know about your child (all household members) is because if you are in an accident they need to know how many people from your household may be in the car so they can charge enough to cover the medical expenses of all insureds. Insurance companies are regulated state by state so your state may have different rules as to what the insurance company can require to sell you an insurance policy.
Yes, if the new driver lives at the insured address or will operate one of their insured vehicles. Failure to report your child's license may result in the insurance company denying coverage and/or canceling your insurance in the event your child causes an accident, or is involved in an accident with an uninsured driver, even if your child is not at fault. Depending on the laws of your state and your individual policy restrictions, your child may also be liable for any accident caused while driving another person's vehicle (sometimes the insurance follows the driver; sometimes it follows the insurance). The best course of action is report your new driver and pay the increased premiums to avoid the possibility of paying costly damages out of pocket. For more information about teenagers and legal requirements in your state, you can use the Related Link, below, to access drivinglaws.org.
It depends on the insurance company, but I personally have never known of a company that would allow a parent to continue to carry insurance on a child after that child married, because at that point, you are no longer a 'dependant' of your parents.
The parents are responsible for their child until legal age.
This varies by state law. Ask your insurance company.
Unfortunately, Yes. Call the company or your agent and see what you can do to add the child now.
That all comes down to company policy and insurance stipulations. I will tell you this - if you're thinking of taking a child OTR, I would strongly recommend not to. A day trip is one thing. Truck stops, customers, et. al are not child-friendly environments, not to mention there are customers who'll only let the driver on their property, and any passengers won't be allowed.
the new born child in the family