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.


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



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