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If the person driving the car was not officially excluded in writing from the policy and had permission or a reasonable belief that they had permission to use the vehicle then most if not all of the provisions of the policy would apply for the owner of the vehicle.

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โˆ™ 2005-10-31 01:50:16
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Q: Would a car with full coverage belonging to someone else be paid off if it was totaled in a single car accident when the driver was a non-inssured non licensed driver?
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If you have full coverage insurance and a person who is not licensed gets into an accident in your vehicle can insurance cover your car damage?

Yes.Thats what full coverage covers

Does insurance pays claims for under age driver accident?

Ordinarily, an auto insurance policy will require that the driver be licensed as a condition of coverage. Therefore, absent extenuating circumstances, probably not.

What happens if you are insured and the accident is for the most part your fault but your license is expired?

== == You are OUT OF LUCK. Every auto insurance policy REQUIRES any driver to be properly qualified and LICENSED by their home state. An Expired license is NO LICENSE, at all. No License, no coverage. No coverage, equals YOU PAY the entire costs of the accident, plus you will have a really hard time getting insurance again.

Does licensed driver living in home have to be insured even though they do not drive any of the cars?

Under the terms of your Insurance Contract, All licensed drivers in your household and all drivers that have access to your vehicle are required to be declared either as a covered driver or not. If not, then you can request they be excluded from coverage on your policy by way of form 515A. Failure to disclose a licensed driver in your home is a violation of the terms of your Insurance Contract and can result in voidance of all coverage. Bare in mind that once excluded the driver will have no coverage under your policy for any accident if they do for some reason drive the vehicle.

Is a non licensed driver insured?

Yes and No. No insurance company will ever insure an un-licensed driver. However, if a non-licensed driver is in an accident, where not at fault, with another driver who is insured, that insurance may still cover the injuries of the non-licensed driver. This is very tricky, though. Some states have a type of fault where if you were partially at fault for the accident as well, you may have your damages reduced by the % you are at fault; other states will determine that if you are 50% at fault, you get nothing. So, if a state were to determine that you being un-licensed to drive was worth 50% of the fault (that is, you should never have been there for the accident to occur at all), you might not get any coverage whatsoever. So, it depends on whether or not (and to what extent) you were at fault, and what your particular state's policies are for liability.

If you have full coverage insurance and a person who is not on the policy gets into an accident what happens?

It depends on the policy provider but my Allstate Insurance covers licensed drivers who drive my vehicle with my permission. Mine also covers me when I drive an uninsured car.

If you have full coverage insurance and a person who is not licensed gets into an accident in your vehicle what happens to your insurance?

I'm a Broker - first of all, as tacky and incovenient as this sounds, IF YOU DON'T KNOW IF A PERSON ABOUT TO DRIVE YOUR CAR IS LICENSED OR NOT, ASK TO SEE THEIR PERMIT! IN THE CASE OF AN ACCIDENT, YOU ARE PERSONALLY HELD RESPONSIBLE FOR ALL DAMAGES. The law says that we must assess the likelihood of such events and protect ourselves in any way. eg. if your friend is drinking you don't let them drive...

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 licensed driver with valid Texas license obtain liability auto coverage in Texas?

Anyone over the age of 18 can buy autom insurance in Texas, licensed or not.

If i drive my moms car and i live with her but im not on the policy and i get in an accident is the car covered?

If you are a licensed driver but not listed on the policy the vehicle will not be covered. If you are not licensed it will be covered.

What the difference between a unlicensed and a license driver being in an accident?

For insuring purposes it just depends on whether there was an active policy covering the driver (licensed or not) at the time of the accident. So long as there is active coverage and the driver is not excluded and meets the definition of a covered driver under the terms of the insuring contract, the accident would still be covered.AnswerA licensed driver would take complete responsibility in it while an unlicensed dude would be directly put in jail for illegal driving after paying 4 damages

What happens if an uninsured driver borrows your insured car and gets in an accident?

Depends on the state laws. Typically driver insurance coverage is extended to any driver of the vehicle insured. Insurance covers the vehicle and any legally licensed driver with permission to operate the vehicle.

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.

What if you are a licensed minor driving your parents uninsured car and get into an accident where you were at fault should the judgment be placed on the minor or the parents?

You should get in trouble because you caused the accident.

What are Ohio laws for causing an accident without a drivers license?

Most laws are to punish you for driving while not licensed, not specifically for causing accident. That would be a separate issue.

Will homeowners cover stolen dirt bikes not licensed?

Homeowners insurance does not cover dirt bikes. There is dirt bike coverage that can be purchased. Dirt bikes are not required to be licensed in order to use them. Make sure that your dirt bike coverage stipulates that it is covered upon theft because not all policies include theft.

Will homeowner's insurance cover a stolen car?

The simple answer is NO. Homeowners policies will specifically exclude any vehicle licensed or intended for road use. To get coverage you will need to have Comprehensive coverage on your auto insurance policy.

Is Aetna medicare a good source of coverage and what qualifications do they require?

Aetna is a good source of coverage. The physicians and facilities must be state licensed and they must be eligible to receive payment under Original Medicare.

If you have a licence but do not drive can your insurance company make you pay in Pennsylvania?

If you are a listed driver on an insurance policy then your characteristics will be considered in the rating of the insurance policy. Under some circumstances a listed driver will have very little if any impact on the premium. In other cases a listed driver will impact the premium significantly. Many insurance companies require that all licensed drivers in a household be listed and proper premiums be paid or excluded, in writing, from coverage. If you decide to exclude a licensed operator then there would be no coverage for that person on the insurance policy. I personally know of a situation in which an excluded person was allowed to drive the car to church on Sunday. There was an accident and all coverage was denied by the insurance company.

What happens if you are in an accident with an unlicensed driver?

Most cases you get jailed if the accident is severe. If its not too much you get a ticket for driving without licensed driver. Depends on country to country though

What to do after an auto accident?

The first thing you should do is call the police so they can respond to the site of the accident and write a report. They can also make certain everyone involved is licensed and insured.

What type of attorney should one seek for a whiplash accident claim?

Someone who suffered from whiplash during an accident should get in contact with a licensed Whiplash Injury attorney. The person can also use an attorney that handles general accident claims.

Can I get psychological damages as a result of an auto accident?

yes if you have documented sessions or testimony of a licensed therapist that substantiates the trauma.

Do motorcycles licensed for street use still need liability insurance coverage?

Yes. Off road vehicles do not require insurance.

If the owner gave permission to a licensed driver is the licensed driver still responsible to pay for an accident?

It is my understanding that the car owner's insurance pays for the person who was hit. The driver's insurance is responsible for the car he/she was driving.