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If a minor is uninsured under her parents auto policy and is involved in an auto accident will it be covered under her parent's policy?
Wiki User
∙ 14y ago
Actually, I think her parents are responsible for any damages because she a minor, so the parents the ones who will be sued or have to pay for any damages of the minor child.
Wiki User
∙ 14y ago
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What if a minor uninsured driver has an accident in parents car?
If the car is insured and covers other drivers, the damage will be covered to the limits of the policy. If not, they're on their own.
Is a learner permit driver covered under his parents insurance if he is driving alone and gets in an accident?
No. He will get a ticket. His parents will have to pay all the expenses related to the accident. The parent's insurance probably won't pay anything unless it is covered under uninsured motorists section. I don't know about that.
If teenager isn't on insurance are they covered by parents policy?
NO, All drivers are required to carry insurance and be scheduled on an auto insurance policy. if he's not on the policy then he is not a covered driver. Although your company may be required to pay for an accident in which your uninsured teenager is involved. they would not be paying because he was covered, but rather they would have to pay due to the parents negligence in failing to obtain proper insurance for their teenage child and because they allowed the uninsured child to drive the vehicle. The insurer is often liable to pay for the negligence of the insured. Don't confuse this though with an assumption that the uninsured child was somehow covered simply because the insurer had to pay.
What if you are a licensed minor driving your parents uninsured car and get into an accident where you were at fault should the judgment be placed on the minor or the parents?
You should get in trouble because you caused the accident.
If a 15 year old unlicensed minor learning to drive with an uninsured adult has an accident who is liable the parents of the minor or the uninsured driving instructor?
The owner of the vehicle is usually held liable.
If an uninsured driver with just a learner's permit is involved in a fatal car accident can the uninsured driver's parent's insurance be filed against?
Dependant upon WHOM the learner was insured with, who's vehicle he/she was driving, and the legalities such as "was there a licensed driver in the car at the time of accident"? all these things play a role. Contact a lawyer or your broker for a definite answer, but yes, in some instances, the parents can be liable.
What happens if I get in an accident and only have your permit?
If you are in your parents vehicle and you are on their auto insurance policy, you would be covered.
Is a non licensed child that drives parents car covered under parents insurance?
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.
If you have your own car insurance policy can your parents be sued if you live in their home and you are involved in auto accident?
If you are under 18, yes.
Can an 18-year-old covered under his parents' insurance policy be sued for an accident if his parents allowed the policy to lapse without his knowledge but he had given them his monthly payment?
Yes, the person is an adult and if the accident was his fault is responsible regardless of the status of the insurance coverage.
Will insurance rates increase if 18 yr old daughter on parents' policy lets uninsured boyfriend drive her parents car and he has an accident?
yes, if your daughter had your permission to drive then gave her permission for boyfriend to drive, then he is an insured driver under the policy.....coverage/policy stays with the vehicle, meaning your policy will pay (assuming he was at fault)...and thus be affected by this accident........
Can parents of adult children be sued if your adult child still lives at home and their involved in an auto accident?
If the parents own the car then yes. If the adult child owns the car then no.
