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.
== == 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.
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.
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.
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
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...
If you are a resident of Las Vegas, you must maintain auto insurance coverage at all times on any vehicle that you own. Because car insurance is mandatory in Las Vegas, you can incur stiff penalties if you do not carry at least the minimum coverages required under Nevada financial responsibility laws.Required Liability Coverage in Las VegasLiability is the portion of your auto insurance coverage that is required under Nevada law. This coverage pays for vehicles and other property you damage if you cause a traffic accident. It also compensates pedestrians, passengers and drivers for injuries they sustain in an accident.Your policy must cover at least $10,000 for damage to property resulting from one accident. It must also cover $30,000 worth of medical expenses caused by an accident, subject to a cap of $15,000 for each injured person.Liability coverage in Las Vegas does not cover injuries you or any other covered driver sustain in a motor vehicle accident.Coverage Verification in Las VegasThe Nevada Department of Motor Vehicles will send you a letter requesting verification of auto insurance coverage if it suspects that you have insurance. If you do not respond to the letter within 15 days, or you cannot provide proof of insurance, the Department will suspend your car registration. Evidence of insurance coverage in a state other than Nevada does not qualify as proof of coverage if you are a Las Vegas resident.You will have to pay a $250 reinstatement fee if the Department suspends your registration. You may also incur fines, depending on how long you went without insurance coverage. If you were without coverage for six months or more, you will incur a fine of $1,000. Fines are even higher if you are found to be without insurance coverage a second time.Qualifying Insurance CompaniesAs a Las Vegas resident, you must maintain a policy issued by a company that is licensed in Nevada. The Nevada Department of Insurance can provide you with a list of licensed insurance carriers.
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.
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