Auto Insurance Claims

Is your car covered if an uninsured and unlicensed driver drives it?


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2012-01-03 07:43:24
2012-01-03 07:43:24

If they stole it, probably. If you were stupid enough to allow an unlicensed driver to drive your car, it's probably NOT covered under your comprehensive; it may or may not have liability. You should contact your insurance agent for a definitive answer.

AnswerYou said an "uninsured driver". So,, If this unlicensed driver is not considered an insured driver under the terms of your Auto Insurance Policy then no, there will no coverage.

Additionally if you allowed an unlicensed driver to drive your vehicle and an accident ensued, Your Insurance company may cancel your policy due to negligence on your part if they get wind of the matter.

As stated above by the previous contributor, You should contact your insurance agent for assistance in determining who is considered insured under the terms of your policy. If you purchased Direct without an insurance agent, then you have no advocate, your just left up to the mercy of whomever answers the 800 number.

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Related Questions

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.

Yes. If the driver is not an insured, the uninsured driver can be ticketed even if the car itself is insured. In many U.S. states they will also impound the vehicle when it is found being driven by an uninsured driver. It is the responsibility of the vehicle owner to insure that anyone you let drive has appropriate coverage. Unfortunate there is a lot of misinformation out there from laymen that erroneously informs people that anyone who drives the car is insured. This is simply not true. Your will have to see your policy definitions for a covered driver or contact your insurance agent for clarification of when a driver is considered covered under your the terms of your auto insurance policy.

If someone without a valid drivers license and without car insurance drives a car that is covered by car insurance, does that insurance pay for that uninsured driver if they have a accident?

You need to have uninsured motorist insurance as a rider on your insurance. If not you will have to sue the uninsured driver.

A cosigner cannot be someone with no license! If the car is registered to you, you are responsible tickets and fines. The unlicensed driver can be ticketed and fined. If you are not with your car as the owner, your car can get towed away because the police cannot let an unlicensed driver back behind the wheel !

An aggressive driver is a person who drives

You had the answer in your question. A driver. A person who drives.

Before a driver drives a motorcycle, they need to have motorcycle insurance.

The driver who drinks and drives is to blame for drinking and driving.

A driver who drives way below the speed limit.

a person that drives a bus.

car driver driver motorist chauffeur Hoke

Driver, what planet are you from?

bus driver, trucker, pilot, limo driver, coach driver, train conductor?

Someone who drives vehicles between locations.

A taxi driver drives people to places and gets money its pretty straight forward

In the UK it is the driver that needs insurance rather than the vehicle. A prospective driver can get short term insurance, with cover ranging from one day upwards, usually from specialist short term insurance providers. A variety of insurances are available ranging from 3rd party only (only covering the value of damage you may cause to other peoples vehicles) to fully comprehensive (covering everything from vandalism to a full 'right-off' of your own vehicle) - Always check what's covered before buy any insurance.

A driver employed for an owned car is a chauffeur. A driver who carries fares for hire is a taxi driver.

The forklift truck is driven by the forklift driver. Forklift driver must have forklift truck licence.

Maybe, (barring any exclusions in the policy), if an insured driver, drives an uninsured vehicle, many/most times their policy will kick in. However not always !! Sometimes, it will only come in for the first party damage. Many many questions would have to be answered (ie, do you drive this uninsured vehicle often? was this a one time thing? how long has this vehicle been uninsured? why were you driving it? and of course the facts of loss, re: are/were you negliegent, and at fault to begin with?) If you have had a loss/accident while driving an uninsured vehicle, turn the claim in to your carrier, immediately. If you haven't and are just wondering, I would NEVER on purpose drive an uninsured vehicle.

Nonrated: Person is covered if they drive the vehicle(s), but generally not affecting the premium. (Usually this means they are a licensed household member, but they have their own separate vehicle and insurance policy) Excluded: Person is generally not covered if they drives the vehicle(s) on the policy and there is also no premium being charged for them. this is not offered by every company. Rated: Person is covered and they may affect the premium.

not always, that can be part of it but an aggressive driver puts others in danger

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