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If an unlicensed driver is in an accident with an insured car will the insurance company still cover the damage?

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Wiki User
2006-07-25 00:24:08
2006-07-25 00:24:08

Most likely yes.. but your rates are going up, and the driver will be cited.

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If you have Auto liability Insurance and you gave this person perrmission to drive, The Insurer will probably have to pay the bill for the accident. The company will then probably have to promptly cancel your insurance coverage for allowing an unsinsured unlicensed driver to operate your vehicle. Your next Auto Insurance Policy premium will take into account your claims history and charge accordingly.

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Generally, the owner of the insured car is held liable for any damages or losses involved after an accident. So if you want to file a claim for compensation after a crash, it is better to file it with the owner of the insured car or his insurance company. The adult unlicensed driver however, can be held liable criminally if there was death or injury involved.

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The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver.

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You must be licensed to drive, or have a permit and a licensed driver with you. Otherwise, there are legal consequences for that driver. The insurance company may not pay for any damages depending on the policy.

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If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.


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