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. 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. 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.
Yes. Read your policy. If you allow a driver who is not licensed to drive your policy and an accident occurs the insurance company may deny coverage for the claim. You should not loan your car to other people because you are also loaning them your insurance and you may not have the authority to do this. If the person is a regular driver or lives in your household then they must be listed on your policy as a driver.
Yes you can. that is why you have to trade insurance information when an accident occurs. They will handle it from there and will most likely want to do an investigation.
You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.
There are many top ways that one can save on auto insurance. One can be a safe driver, one can also increase their out of pocket expense that occurs when they get in an accident.
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.
As long as you are listed as a driver on the policy and an accident occurs in a covered vehicle, then yes you will be covered under the terms and conditions of the policy just as any other driver on the policy.
No, you are not required to repair your vehicle. However, you might be disappointed if you experience another accident and further damage occurs. The insurance company may pay the claim differently since it cannot determine prior damage to current damage. However, if it is an older car and it is not significant, it is your judgment call.
Whereas selling agents procure insurance business on behalf of the insurance company against commission, the surveyers' service is required by the insurer when accident occurs in car insurance or a fire or burglary occurs, to ascertain the extent of loss caused by the eventuality.
In my experience, if someone drives my car and get in an accident, I think he or her insurance has to pay for the damage of the other party and mine pays for the damage of my car. However, her insurance should go up, but not mine because I am not the one who drive at the time the accident occurs.
One should make an auto insurance claim after an accident right after the incident occurs. If you wait, witnesses might forget what happened or leave and injuries may not be documented well.
That person is the one that has to set up the insurance because they will be the one legally responsible for it and if you still drive the vehicle, you will have to be added as a driver. Since you are the owner of the vehicle, you would also have a legal responsibility if an accident occurs.
You can be added as a driver if you driver their vehicle sometimes but your vehicle cannot be added to their policy. The policy needs to be in the name of the person who owns the vehicle and all drivers and household residents should be listed on the policy as drivers or just residents. If you put your vehicle on a policy in a friends name the insurance company will deny the claim if an accident occurs. You sign a legal contract and state such in the contract.