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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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2005-10-31 01:50:16
2005-10-31 01:50:16

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

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== == 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.

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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.

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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.

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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.

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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

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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...

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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.

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

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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.

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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.

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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.

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

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Yes, the current state you are in is the state that you must follow the laws by. You will have points on your license for an accident in Maryland even if you are in Virginia.

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