Your auto insurance will cover your son while on a lerners permit. Check with your company as some require that he be listed as a driver and you must pay premium while others do not require that he be listed until he gets his regular license. If you insurance is telling you that there is no coverage while he is on the permit then you need a different insurance company.
1) Your insurance company receives your driving record from your DMV. If you are in an accident and it is reported to the police, they will add that accident to your driving record. 2) When you are in an auto accident, the insurance companies of everyone involved are notified when people submit claims.
If the accident goes on your driving record, yes.
No they won't. A learners permit is not a valid license. They shouldn't be driving without a licensed driver. The owner of the car can be held liable. They can be sued for allowing an unlicensed driver, drive their vehicle.
It depends on your coverage & the state, but normally if you have full coverage your insurer will cover any accident you are in.
It shouldn't ... normally insurance companies do not report the accident to the police authorities unless a death is involved. However, since you reported the accident to your insurance and if you are at fault, it may cause your rates to increase.
No. As long as you were not involved in the accident then it shouldn't affect your driving record. You must also not be the owner of the vehicle that was involved in the claim.
Contact your agent or policy services dept for your carrier, they will be able to advise you.
Owner.
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
No Drink Driving is breaking the rules and your own choice