If an underage permit driver had an accident in a noncustodial parent's car, the insurance of the custodial parent should cover the cost. Contact the insurance company for full coverage benefits.
If there is no other vehicle involved in the accident, then the only person who can be at fault is the underage driver.
You would need to take either the parents of the minor or the owner of the vehicle to court.
The underaged driver's parents are responsible for the damage to the car.
Sounds like big trouble. Besides the fine, increased insurance in the future, parental responsibility, and possible probation, it is possible the issuance of a drivers license could be delayed until the underage driver reaches adulthood.
As long as the 16 year old has a valid license the policy should pay out. You will probably be required to add the driver to your policy and will be asked why they weren't listed before.AnswerIn most jurisdictions an "underage" driver must be listed on the policy and it costs more. In Massachusetts if you allowed an underage driver who resides with you to drive your car and they are involved in an accident then the insurance company will not pay the damages.
parents if the insurance is under their names
Not necessarily unless the 'owner' is also the parent of the underage driver. If not, assuming the car was insured, the insurance company may deny the claim. If the vehicle was not insured, then it becomes a civil matter where the owner of the vehicle may be sued by the accident victim and may be found responsible for not having had the vehicle insured if it is the law in your state. If this is the case, and you are not related to the young driver who stole your vehicle, then you have a civil case against that minor's parents and they would in turn be liable and responsible for any damages you may have been made responsible for.
you will
The owner of the vehicle is going to be held liable for any damages caused by the underage driver.
No. the driver and the policy owner are the only ones who will have to worry about claims showing up on your records. So if you are on your parents policy and you have an at fault accident, it will follow them for a while. If one of your parents has an at fault accident in your car, it will then follow you even if you aren't the driver.
"A serious accident was caused by the driver's negligence."
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