Will my liability inurance cover my friend while shes learning to drive?

Question

My friend has a perment and is learning how to drive. Im 20 right now and i only have liability, What happen if she hit someone, is it consider my fault eventhough shes driving, and since she doesnt have insurance, would my insurace cover her or would i have to legally pay ALL THE DAMAGE she made?

Answer 1

Review your insurance policy.

Normally it depends on the type of insurance you have as to its legal boundaries.If the car is registered under your name and there's no allowance of other party I'm afraid even if she's the one responsible of hitting another car,it's your insurance who'll have to pay the damage and a raise of percentage for your insurance rate next time around since in the eyes of the insurance company you are prone to accidents henceforth more risk for them.Discuss that with your gf if ever such accidents occur if she'd be willing to shoulder the cost if not half of the expenses.

Good luck.

Answer 2

Insurance companies look to the owner of the vehicle. Who is this car insured to? If you cause bodily harm to somebody, your insurance policy could be sued by the claimant, and usually they (the insurance companies) settle it between themselves. Unless the medical expenses exceed what you are covered for, then you would be expected to pay. If you have liability, you probably have collision coverage too, so you are covered well. If your friend hits another car while driving your car and she is found at fault according to the traffic laws, then your insurance company will be expected to pay for damages. You will most likely have to meet a deductible first, and you will be guaranteed that your rates will go up for the next year if you already have any other accidents or moving violations within the past 5 years on your record.

Answer 3

Well you will have to ask the insurance co to be sure, but I think that liability only pays for dammage that YOU do, and not someone else unless they are speciffically listed as a driver on your policy. But it could go to small claims court & if she is under 18, her parents will be responsible.
But since I think to "legally" drive with a permit, you have to have a licensed driver over 25 in the car at all times.
Oh & if you did, then it "should" be covered. Good luck :)

Answer 4

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Answer 5

Call your insurance agent and ask them. Each company is different, and even policies within one company can be different. Without having your full insurance policy, there's no way to answer your question accurately.

Answer 6

My cost of coverage went up as soon as my daughter had her learner's permit.

Your insurance company is bound to want you to insure your friend if she is driving your vehicle.

Answer 7

I think if I am not wrong you have to have your license for 6 years before you let her drive with you!

Answer 8

No