I am a licensed and have an insurance policy of my own, but my son is NOT insured and does not have a vehicle of his own. He does have a valid license, however. Today, I had asked him to drive me to some places in my car, and he accidently rear ended another vehicle. I am wondering what I should expect my insurance company to say when I report this accident tomorrow. Will I or my son be in trouble since he is not covered under my insurance policy?
2006-12-05 15:51:05 · 13 answers · asked by Christopher 1 in Cars & Transportation ➔ Insurance & Registration
I don't think you'll be in "trouble" at all. In any instance, your loss should be covered. You gave your son permissive use to drive your car. If he lives in your household and is under a certain age (generally 21) and is related by blood or marriage (which he is), he is and insured person by definition. If he does not live in your household or is over 21, he still fits the definition of an insured person by being a permissive user. Your insurance company will cover the loss and any resulting damages he may be legally liable for (property damage, injuries). Your policy coverage will extend to him. In some states, there may be a step down provision on a permissive user. That means the bodily injury limits drop down to whatever the state minimum coverage is where the loss occurred. For instance, if you carry coverage of 100/300 and the state minimum is 25/50, then your son would only be covered up to a $25,000 injury loss rather than $100,000. This is only if he's over 21 and not living with you.
In any case, your insurance company will charge a loss to your record and add your son as a rated driver if he lives with you. Good luck
2006-12-06 01:49:32 · answer #1 · answered by RYAN 2 · 0⤊ 0⤋
Depends on the age of your son, if he lives in your house and the policy. Many policies cover family members under a certain age living in the house.
If not it depends on the state you live in. Some require insurance or "state coverage" for un-insured drivers, (bonding).
If your state does not require insrance he will not be in trouble but may have to cover the cost of the accident. If insurance is required - he has a problem. You will also have a problem for letting an un-insurued person drive your vechcle - but that will be with your policy holder first not the state.
2006-12-05 16:00:00 · answer #2 · answered by Carl P 7 · 0⤊ 0⤋
I think the accident will be covered under your policy but your rates may go up in the future. I once asked GEICO(my insurance) what would happen if my then boyfriend (now husband) had an accident with my car (he was a licensed driver but not on my policy.) They said the claim would be paid but I would be flagged as "a driver who allows other people to drive her car" . Insurance companies frown on this and figure it in when they give you a rate. I think they also said this is information insurance companies share. So if you went to another company, they would have this info about you (but I'm not 100% sure about that)
2006-12-05 15:59:01 · answer #3 · answered by keren 3 · 0⤊ 0⤋
I just had this very problem... my son was supposed to be on my policy.... turns out my insurance broker didn t add him just the vehicle, he had a wreck and is under 21 and lives with me (Georgia) I spoke with my insurance and the good news is because he had my permission to drive the vehicle the other persons damages will be covered... all my insurance lady said was to make sure I added him to the policy... ughhhhh what a day... No April Fools here......
2015-04-01 08:05:36 · answer #4 · answered by Froggiez 1 · 0⤊ 0⤋
This depends COMPLETELY upon where you live, as laws vary.
In lots of places, he isn't covered because he lives with you.
You are supposed to notify your insurance about family members driving your vehicles because your premium will go up significantly when you tell them your 17 yo son is driving.
PS A bunch of know-nothings will tell you something else.
2006-12-05 15:56:50 · answer #5 · answered by Anonymous · 0⤊ 0⤋
My first question is does he live in your house?
If anyone drives your car that lives in your house they have to be on you policy. However if he's licensed and doesn't live with you and he's over 18, then you shouldn't have any problems. Good luck and safe driving.
2006-12-05 19:04:35 · answer #6 · answered by brandiwine72 3 · 0⤊ 0⤋
you better lie and say you were the one driving he has to be on your insurance policy if he is living with you and has a drivers license your insurance is probably going to go up
2006-12-05 16:07:03 · answer #7 · answered by crrousey 3 · 1⤊ 0⤋
NO MAM I DONT THINK YOU WILL BE IN TROUBLE AT ALL,THE BEST THING IS THAT YOU HAD INSURANCE AND THAT YOU WERE COVERED WHEN THE ACCIDENT HAPPENED ,I THINK YOU WILL BE FINE JUST LET THE INSURANCE COMPANY KNOW THAT YOUR SON WAS DRIVEING AND THAT YOU WERE WITH HIM WHEN IT HAPPENED,AFTER THAT THEY MAY ASK YOU TO PUT HIM ON YOUR INSURANSE IM NOT FOR SHORE IT DEPENDS ON THE INSURANCE COMPANY YOU HAVE,BUT REMEMBER THIS DONT LET THEM PUSH YOU AROUND OK AND I HOPE ALL WAS OK AND NOBODY WAS HURT
2006-12-05 16:02:17 · answer #8 · answered by DAVE S 2 · 0⤊ 0⤋
If your son lives with you then you have a serious problem. If he does not live with you and was just visiting then under most policies he would be covered.
2006-12-05 15:58:20 · answer #9 · answered by Mike 5 · 0⤊ 0⤋
there probably not going to cover this,,if they do you,ll be lucky,,but your rate is going to go up a lot,,and if they don't they may cancel on you ,and leave you to pay for the damages of this accident,,plus your going to be held liable for any other things they say happened from this accident,,this wasn't a good idea to do this,,good luck with it,,i hope it works out good for you,
2006-12-05 16:00:12 · answer #10 · answered by dodge man 7 · 0⤊ 0⤋