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Will insurance cover an accident by an unlicensed driving a licensed insured drivers car?
Wiki User
∙ 12y ago
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
AnswerGenerally, 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.Wiki User
∙ 12y ago
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Can you get in trouble for carrying insurance for unlicensed driver?
No, I have never seen a citation for carrying insurance for an unlicensed driver. I recommend that all drivers should be insurance whether they are licensed or not.
Does insurance cover an accident if the driver has a learners permit when there is not a 21-year-old person with a valid drivers license in the car?
Most likely yes. I know of cases that a completely unlicensed driver causing an accident and the insurance still applied. Most insurance policies don't have a requirement that a person be licensed in order for coverage to apply.
Can a uninsured licensed driver drive a insured drivers car?
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.
If unlicensed driver in New Jersey takes his mothers car without knowledge and gets in an accident what will happen with court and insurance?
Your mom could loose everything by being sued by the other drivers insurance company. Because you are unlicensed and took the car without permission her insurance company will not cover the accident and you are likely to get a ticket.
Will your insurance company still pay for the damages to your car if your daughter who has no drivers license and who was not at fault for the accident drives the car at time of accident?
Probably not, as most policies only cover drivers not listed on the policy if they were given permission to drive. If you gave your unlicensed daughter permission to drive, then you can be issued a ticket. However, if the accident was not your daughter's fault, then the at fault party is responsible for the damage they caused to your vehicle, regardless if the other party was licensed or not.
What will happen if you do not have your drivers license and insurance with you when involved in a minor accident?
You will get a ticket for these violations but if you bring them with you to court and they show that you were licensed and insured on the date of the accident, these charges will be dismissed.
You have motorcycle insurance but no license will it cover?
Depends on the insurance company. There are companies that will insure unlicensed drivers.
About how many million drivers are in the US?
There were about 214 million licensed drivers in the US in 2014. There are probably about 245 million drivers altogether, counting the unlicensed ones.
Can an unlicensed driver operate a vehicle on private property with the owners consent?
Unlicensed drivers cannot operate a vehicle on private property. The insurance for the vehicle will not allow unlicensed drivers. Most states require every vehicle in operation to be insured.
Unlicensd teenage friend drove our car without permission and hit a tree. Will insurance cover this?
No way! The insurance certificate specifies who may drive. It will not include unlicensed drivers! Even a licensed driver, but driving without the owner's permission will not be covered by the car owner's insurance.
How do you get auto insurance for accident prone drivers?
You get auto insurance for accident prone drivers the same way as normal drivers. You will need to provide relevant car details and your driving history information and then receive insurance policy quotes. Insurance premiums for accident prone drivers are generally much higher.
Can an unlicensed driver get insurance for his car?
Yes, if he is the owner and has another driver he can name as primary. That said, most insurers will insure only licensed drivers and will require documentation of licensure at the time of application and of issuance of the policy.
