My sister just got her drivers license like 2 days ago and she just had an accident before my mother had a chance to put her on the policy. Do you think the insurnce company will cover the damages?
2006-09-02 16:43:26 · 18 answers · asked by jay 1 in Cars & Transportation ➔ Insurance & Registration
My policy has a section called "uninsured motorists" and she would be covered under that section. Check for this in your mother's policy.
Since she is a licensed driver in the house where your mother lives, it will most likely affect her rates almost instantly, though.
2006-09-02 16:51:10 · answer #1 · answered by Picture Taker 7 · 0⤊ 0⤋
If your mother put her on the policy as a household member the claim should be covered. As mentioned above, the policy will more than likely cancel.
In the state of Arkansas, if the person lives in the house, they should be on the policy. Reasonable permission to drive only works if the person does NOT live in the household. Most companies will refuse to pay the claim but some might go back to the day she was first licensed. Hypothetically, if your mother pays the rates she would have paid, that amount (the amount from the age your sister was legal to drive with her permit, until the time she was in the accident) the insurance company would cover the claim. If your sister and your mother have separate addresses, and your mother can prove your sister didn't live in the house, the accident should be covered. Good Luck.
2006-09-03 05:16:19 · answer #2 · answered by Inquisitive1 2 · 0⤊ 0⤋
As a licensed insurance agent I can tell you yes the insurance company has to cover the claim by law but in all likelyhood will send a cancellation notice giving you 60 days to obtain insurance through another carrier
2006-09-02 19:33:58 · answer #3 · answered by Dave 1 · 0⤊ 0⤋
If your mum gave her permission to drive the car, the insurance company will cover the lost.....When all else fails read your policy!
2006-09-02 16:50:54 · answer #4 · answered by Freethrashing 3 · 0⤊ 0⤋
Ah yet another no-fault question from my liked homestead state. The word "No-Fault" is rather puzzling for the final public. As 3 human beings have already stated "No-Fault" pertains purely to the scientific charges. while the lawmakers of MN desperate to return up with the no-fault statute they picked a horribly puzzling call. below the statute the words "no-fault" ability that no remember who's at-fault for an twist of fate that any scientific charges are paid by ability of your individual employer. So regardless of if the different individual is at-fault your individual automobile coverage employer HAS to pay the charges. So because of the fact that "no-fault" refers to purely the scientific charges the agencies nevertheless might desire to inspect to be certain who brought about the twist of fate. counting on the aspects the two drivers might properly be held partly at fault for an twist of fate. The examine would be certain proportion of fault which will desire to bring about one party getting a minimum of portion of their collision deductible reimbursed.
2016-11-06 07:53:09 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Maybe, she may have to sue her own insurance company if she has uninsured motorist coverage. How much damage? It may be better to fix this yourself and not report to insurance unless there was another vehicle at fault and then your sister is in trouble for driving without insurance.
2006-09-02 17:18:37 · answer #6 · answered by the_wire_monkey 2 · 0⤊ 0⤋
Forget what everyone on here says, and ask the company themselves. They are the only ones who will be able to make a determination in the case. If you don't like their answer, take it to your Insurance Commisioner. Best of luck!
2006-09-04 13:13:11 · answer #7 · answered by Dave 5 · 0⤊ 0⤋
Depends really...
My insurance company would have covered the damages, but would have gotten us on insurance fraud or something. I don't know what company you have, but State Farm already has you insured, you just have to register so you they can start charging you for it.
2006-09-02 16:51:58 · answer #8 · answered by Tagg 1 · 0⤊ 0⤋
actually, they will cover it most likely otherwise u get sued by the person u hit for damages and legal fees. otherwise in most cases w/ good auto insurance they will cover it, but you mom will have to pay a bundle on her next bill, not to mention an explanation
2006-09-03 17:16:46 · answer #9 · answered by Anonymous · 0⤊ 0⤋
this is one question i asked my company. i was told that the only way it was covered is if the other person has permission to drive the car and did not live in the same house.
2006-09-02 18:47:57 · answer #10 · answered by kat 2 · 0⤊ 0⤋