If your 18 year old unlicensed son drives an insured car with the owner's permission and an accident occurs does their insurance cover it and what is your liability since he is 18 you live in CA?
The insurance policy on the vehicle should still apply. Since the person responsible for the accident is 18 the liability should end with the 18 year old but I am not a lawyer and don't live in CA so I can't say for sure that I am accurate.
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Is it possible for an 18 year old who has held a full UK drivers license to get insurance that covers them to drive somebody else's vehicle?
Hi, I'm 18 and with Quinn insurance, this covers me to drive someone elses vehicle on a third party basis (I requested this over the phone so doubt if it is standard). However the premiums are very steep for this small privilege, my first year of insurance on my little 1.4L car was over Â£3,500…. With 1 year's no claims it has gone down to Â£2000, but still comparaitively very expensive. . ( Full Answer )
What happens if an unlicensed and uninsured adult son temporarily living with you drives drunk totaling a borrowed car with no collision insurance?
Answer . He has a big problem. And maybe the person who let him take the car. Almost all states have some type of insurance laws. In which case the owner of the vehicle may also be held liable for the damages. It's a pretty safe bet, that both parties will be sued..
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........
If you drive your parents car but you don't live with them and you get in an accident will their insurance cover you?
Sometimes. Sometimes insurance covers whoever is driving a particular car, and sometimes insurance covers a driver no matter whose car they are driving (as long as they have the car owner's permission). You should probably check with your insurance company to be sure, or have your parents call and a…sk them. ( Full Answer )
Answer . NO.. By allowing a person who is NOT a licensed driver to drive your car, you committed an offense under the state regulations, so your insurance company can refuse to pay any claims.. Answer . That is not true in California. Unless the person is specifically named as excluded from …the policy, the insurance company will pay up to the limits on that policy.. Answer . The original question asked about an UN_LICENSED driver. I can't think of any jurisdiction where a person that doesn't have a state issued driver's permit , who has a car accident would be covered by ANY insurance company. The insurance company MUST have a clause that bans such a thing from happening. ( Full Answer )
\n. \n Answer \n. \n. \nThe answer: No. Insurance is not cheap to any young driver. Not being on a parents policy can be more expensive as well.
What happens if a car accident was not your fault but you were driving a friend's car that was insured by liability insurance?
I believe if, before the accident, you are listed as a driver on the insurance policy, then you are allowed to drive the vehicle too. If so, then the car at fault is at fault. If you are not listed as a driver, then your friend could be at fault if he gave you permission to drive the car. If he did …not give you permission to drive the car, then you could be held liable. Liability covers only the other car, unless you have uninsured motorist insurance included, then your car is also covered if the at fault driver has no insurance, if you are listed as a driver. If the car at fault has no insurance what-so-ever, then they could be at fault because they should not even be on the road if your state requires minimal liability insurance. You can call any insurance company to find out, and remain anonymous if you would like, and if they will tell you. Or you can call a lawyer who gives free consults to find out. I would suggest that you first look up your state laws (regarding automotive insurance requirements for your state, if it has any). Then go from there. State laws may vary! ( Full Answer )
The registered owner is ultimatly still responsible for the vehcile. Liability and all. They will still go after the driver of car too. And if there is not enough Liability coverage on the vehicle they have every right to also go after the driver. Please note... any parking tickets received or camer…a pictures will go to the owners address. ( Full Answer )
Involved in a not-at-fault accident is it your fault or the owner's for driving their uninsured car if you thought it was insured?
Ultimately, the driver is responsible for everything that that is caused by or contributed to while the driver is in the vehicle. Lights don't work? Drivers fault. Not insured? Drivers fault. Answer If you drive a car that is not insured you can be ticketed for that. If you were not at fault in t…he accident then hopefully the other driver had insurance otherwise the damage to your friends car will have to be paid out of pocket. If that were the case then you could attempt to take the at fault driver to court. It is the responsibility of the owner of the vehicle to have the vehicle insured. Answer The law clearly states that it is the driver's resposibility to make sure that the vehicle he/she is driving is properly insured and there are no acceptions, you will be ticketed. ( Full Answer )
What happens if your 18 year old son who is on your insurance rear-ended another car no one was injured and the other car is driveable but yours is not?
Answer . ALWAYS ALWAYS ALWAYS get a police report. People often claim OTHER, unrelated damages when there is no police report. It's better to just face up to your mistakes and get the proper documentation. It will be far better off in the long run.
If your 21 year old daughter who is covered on your insurance policy drives another person's car is that owner's insurance liable in case of an accident or is yours?
Auto insurance ........ . \nThat will depend on the laws of the state you reside in. You can get detailed information at your state's department of Insurance - they probably have a web site.\nIt will also depend on the language of your auto policy - read section regarding "Other Insurance".
Your grandson is covered to drive your vehicle if he meets the following criteria: He is fully licensed He does NOT reside in your household, He has been given expressed consent at all times to drive the said vehicle by the owner/insured person.
If an unlicensed driver is in an accident with an insured car will the insurance company still cover the damage?
Answer . Most likely yes.. but your rates are going up, and the driver will be cited.
Who would cover your sons injuries sustained in car accident while driving in NY state with AL liability only auto insurance?
Answer . \nLiability is only to cover the other person. You might have to pay out of pocket for your son.
Is your insurance provider notified and will your insurance cover the damages when an unlicensed driver takes your vehicle without permission and is involved in an accident?
\n. \n Answer \n. \nThe answer should be yes to both parts of the question.\n. \n Answer \nYou should notify them.
If you have an accident while driving another person's car will your insurance or the owner's pay the claim?
Answer . \nAuto Insurance follows the car not the driver. My son's girlfriend was driving his car when they where in an accident and his insurance was responsible.
Answer . 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 you…r vehicle.\n. \nYour next Auto Insurance Policy premium will take into account your claims history and charge accordingly. ( Full Answer )
If your insurance only covers people over the age of 25 can a 18 year old with a license driveyour car?
Answer . If your policy specifically states that the driver must be over 25, then obviously an 18 year old is not 25 and would not be a covered driver.
Your 18 year old daughter wants to get her driver's license but doesn't have a car How much will your car insurance go up if you add her to your insurance or does she need to be added to be covered?
this will depend on how long you yourself have been driving and what type of car you have. i am sure you yourself needs to have a clean licence and have had a licence for three years before you can legally take a learner driver out in the car. i myself am a learner driver and my partner didnt pa…y any extra on his insurance to get myself added but i am a lot older than your daughter, you can always check for free on the car insurance web sites. ( Full Answer )
There is no average, you will need to contact an agent for a quote there are too many variables in rating. i recommend you this site where you can compare quotes from ifferent companies: mycheapinsurance.net
Liaility . It depends. Some insurance policies go from car to car while others are car specific. In most cases it's the latter, so check with your insurance carrier.
Should my 18 year old daughter get her own car insurance or should I put her on our car insurance we live in CA?
Unless you drive a luxury vehicle with comprehensive and collision coverage and your daughter is driving an old beater with just liability, it will likely be cheaper to add her and her car to your policy, assuming you live together. Contact your insurance agent for a quote on both scenarios to be su…re.. If your daughter is still a dependent on your taxes or you have an ownership interest in her car, be cautious as you still could be found liable for any damage she causes, regardless of if she has her own insurance or not. ( Full Answer )
As long as she owns the car, has a license, and can afford the insurance she can buy it.
There is no set price for car insurance for an 18 year old. Theamount will be determined by the car insurance company, and theperson's driving record.
If a mother owned a car with full coverage insurance and her 22 year old son with a license took it without permission and had an accident would it be covered?
In a Non Permissive use accident, The insurer does not cover damage or injury to another party, However damage to the vehicle being driven will likely be covered the same as if the vehicle was stolen and damaged.
Which insurance would be liable if our 16 year old son was involved in an accident driving someone elses auto with their permission ours or the owners?
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
Should you put your 18 year old son on your car insurance or would it be best for him to get his own policy?
If he resides in your home or at a college dorm....\nDepends on his driving experience. If he has a clean record, maintains a high grade point average, it may be beneficial to add him to your policy as a driver to his own vehicle. Most preferred companies offer a substantial discount for good stud…ents. All vehicles would also receive a multi-car discount, and he would be covered with the same limits of liability that you carry. If he is a full time student (even thru college years), he is still considered a dependent in the eyes of the law. Therefore, if he is at-fault in an accident, the injured party could still come after you as the parents. Having higher liability limits would be in your best interest under those circumstances. IMHO ( Full Answer )
My son owns a car that is not insured. can I purchace liability insurance for that car and drive it legal?
In most states insuring a family members vehicle is acceptable. Ifit is not in your state then the vehicle can be insured in the sonsname with you as an additional driver.
The majority of the time no because it is an insured's policyholder's duty not to let unlicensed people driver their car because they cannot legally drive.
If you own a car and have a valid drivers license than you can get insurance at any age, even 18. You will pay quite a bit for insurance if you don't have any older drivers on the policy though so it is usually cheaper to stay on a parents policy until you're married or you have 3 years of driving e…xperience. ( Full Answer )
My son lives at school and comes home on the weekend and has his own liability insurance on his own car and he drives mine and has an accident which ins co pays?
Your auto insurance policy would cover this situation. Auto policies cover the automobile, not the driver. While it is true that there are "listed drivers" on auto policies, anyone that you allow to drive your car (and is legally able to), is in fact covered. It also goes back to the insurance conc…ept of " insurable interest ", meaning you must stand to lose something or suffer some type of loss to trigger coverage. As an example, you could not take out a life insurance policy on me, because if I were to die, you would not be impacted, financially or otherwise. ( Full Answer )
Depends on the type of car, GPA of the driver, driving record of driver (if any), whether or not they are independent or on a family multi-car policy, etc. You'll need to get a personal answer, as there is no general answer. You can figure it will be pricey, in any case, due to their age.
If 18 year old owns car and owns own car insurance policy and has an accident that exceeds the value of the policy can parents of 18 year old be held liable if 18 year old lives with them?
IT DEPENDS ON THE STATE HE/SHE LIVES IN. SOME STATES ARE NO-FAULT AND THEY MAKE IT DIFFICULT FOR LITAGATION. IF THE 18 YEAR OLD IS A DEPENDANT SUPPORTED BY THE PARENTS i.e. A COLLEGE STUDENT THEN THEY COULD BE IN TROUBLE.
If a parent owns a car and only insures 18 year old child to drive the car does the 18year old have to live with the parent who owns the car?
In most places no. But my suggestion is either get a job and car and place of your own or appreciate the fact that your parents are trying to take care of you. btw 18 y/o is not a child, technically.
Could the parents of an 18 year old be sued if their daughter was in an accident driving the parents car on the parents insurance policy?
No i dont think because she was the one driving the car, i didnt mtter who it belonged to.
You should check your policy wording, insurance schedule, proposal (or statement of fact) and certificate to see who is and who isn't included. . If in doubt, check with your insurer directly.
It depends what car you get could get say a ford fiesta that ithink is round about 2 grand for a 17-18 year old.
Your son was driving his friends car with permission and got into an accident - does he have to pay top fix the car himself or does insurance cover this.?
That depends on the insurance that you and the friend have. Your insurance may cover your son in any vehicle. Same as with the friends insurance covering any driver. You just have to call and ask.
There are quite a few factors that will determine how much insurance costs, I would call a local agent for a quote.
Liability coverage is "third-party" insurance that pays for injuries or death to another person as a result of the insured's negligence (carelessness). There are different types of it, not just car-related. Whether or not it applies in a given situation depends upon the dynamics of the occurrence. …Therefore, if the theory of the negligence was, for example, that a landowner created a dangerous condition that proximately caused the single-car collision, the landowner's liability insurance could arguably be triggered so as to cover the incident. If a passenger was killed in a single car collision, the driver/owner's liability coverage may be triggered if the driver was negligent in the operation of the vehicle. ( Full Answer )
Yes, it should be no problem in the U.K. Your daughter can be on your insurance as a "named driver", it matters not if she lives at your address or not. I am a named driver on my mother in law's car, so in the event of her having a problem, I can drive her car for her.
Can your insurance cover a person who has your permission to drive but is not in insurance and has a accidents?
The best advice I can give you as an insurance agent is not to allow people who are not listed on your insurance policy to drive your vehicles, ever. This is not to say your company will not cover someone driving your vehicle with your permission but it will bring up questions. Insurance companies a…re very wary these days about unlisted drivers who have claims driving an insured vehicle. Your policy states that you must notify all residents of your household as well as any regular driver of any of your vehicles. I have seen several occasions where claims are denied because the insured did not comply with these requirements. This is not to say you can't lend a vehicle to a friend whose car will not start one morning. Just remember you are also loaning them your insurance and your insurance record. How many days makes them a regular driver? A child who lives at college is still a resident of your household. Be very careful jeopardizing your insurance record that you have worked to build up. ( Full Answer )
Liability automobile insurance only covers damage caused by you to another party for their bodily injury and property damage caused in an accident where you were the fault. The coverage is limited by the policy and the amount of coverage purchased. For example, the insured may have 25/50/25 which me…ans the maximum that the company will pay for damages on your behalf is $25,000 per person for bodily injury with a maximum of $50,000 per accident for bodily injury, and a maximum of $25,000 in property damage. Liability also comes in CSL or Combine Single Limits where you may have purchased an amount such as $100,000 per accident no matter what area it is needed to be paid. ( Full Answer )
It just depends on the type of insurance policy that was in force on the car and whether the unlicensed driver is considered an insured under the terms of the Vehicle owners Auto Insurance Policy. If the Vehicle Owner has a "Standard Form Policy" then in most cases where there is no violation of …law, fraud, or deception, a permissive use driver would be covered under the owners policy. If the Vehicle Owner has a "Named Driver Policy", Often referred to as a "Limited Lines Policy" available as a more economic option in some states. Then no drivers other than those listed on the policy are covered. It's best just to contact your agent or your insurer to determine the extent of coverage provided under your auto insurance policy. If on a standard form policy and the accident is covered, you may be surcharged an additional premium or suffer policy cancellation for the negligent action of allowing an unlicensed driver to operate the vehicle Answer Generally, if they cover the loss, it would be the insured's driver's car insurance. This question really is to general and really requires specific policy review. ( Full Answer )
You cannot get car insurance if you do not have a license because you cannot legally drive.
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.
Not in the UK it's not ! If you knowingly drive a car withoutinsurance - you're committing an offence - punishable by a fine& points on your licence. The vehicle's owner could also be introuble for 'aiding and abetting' a criminal offence.
Insurance companies usually have higher rates for young drivers due to their lack of experience, lack of responsibility, and the idea that they are more impulsive on the road. Not all teenagers are this way, but the insurance companies have to take care when insuring young drivers.
That is probably a violation of your rental car contract and youcan get in a lot of trouble for it, especially if something happensto the car. Your insurance company might not cover an unauthorizeddriver on a rental car, and if there is an accident, you would beheld liable for all the costs associat…ed with any damage or injury. ( Full Answer )
It depends on the terms of your contract. In the UK, generally, youdo not need to inform them unless the 18 year old is going to drivethe car.