an unlicensend driver had my car without my knowledge and had an accident will my insurance cover damages to the other property
2006-10-02 06:47:22 · 12 answers · asked by dawnventura 1 in Cars & Transportation ➔ Insurance & Registration
You didn't say a lot about who this person is, but here's a general answer- if the person driving had your permission he will be covered. The only fly in the ointment could be if your policy excludes coverage if a person driving has a revoked or suspended license (unlicensed may just mean he has yet to get his license because he's 15). If he did not have your permission, has never driven, and doesn't live with you, there may not be coverage. Your policy automatically covers you, your spouse, resident relatives of your household and permissive drivers. Anyone outside that they will have to investigate to determine coverage.
If not covered, then the damages he caused will not be covered, but your vehicle damages will if you carry collision coverage. Of course you'd have to pay your deductible.
2006-10-02 14:28:25 · answer #1 · answered by Chris 5 · 0⤊ 1⤋
You would have to prove that the car was driven without your knowledge; therefore, you would have had to report the car as stolen and be willing to file charges against the driver.
If your insurance covers it, your rates will probably go up. If they don't cover it, you (and/or the person whose property was damaged) can sue the unlicensed driver for damages.
2006-10-02 22:58:58 · answer #2 · answered by Pandagal 4 · 0⤊ 0⤋
possibly, but you will have to read your policy to find out. Did you report the car as stolen since it was taken without your permission? That might make a difference in whether it is covered or not.
2006-10-02 13:59:20 · answer #3 · answered by Anonymous · 0⤊ 0⤋
You will have to report that the car was stolen. Insurance does not pay for unlicensend drivers on a car!! If they had it without your permission, it was stolen!
2006-10-02 13:49:23 · answer #4 · answered by Anonymous · 1⤊ 0⤋
oh dear
I would take the unlicensed driver to Judge Judys court and sue them for the damages.
you need to call your insurance and ask them this Q. not here.
wow that sucks
2006-10-02 13:53:24 · answer #5 · answered by Anonymous · 0⤊ 0⤋
First you need to report the car stolen,and have full coverage insurance.Good luck,insurance companies always find a excuse.
2006-10-05 15:19:59 · answer #6 · answered by George K 6 · 0⤊ 0⤋
Definitely get your attorney and hit the courts over this one. Your insurance company will not cover it unless they have cause to do so.
2006-10-02 13:55:28 · answer #7 · answered by polishedamethyst 6 · 0⤊ 0⤋
They may require you to press theft charges in order to cover it, since they had possession without your knowledge.
2006-10-02 13:49:19 · answer #8 · answered by Anonymous · 2⤊ 0⤋
Nope. Unless you reported it as stolen, I'd say you're boned.
2006-10-02 13:48:31 · answer #9 · answered by Anonymous · 2⤊ 0⤋
doubtful
2006-10-02 13:49:37 · answer #10 · answered by zskip62 5 · 0⤊ 1⤋