2007-01-27 06:02:42 · 5 answers · asked by Lisa C 1 in Cars & Transportation ➔ Insurance & Registration
My daughter had an accident in my car and my insurance company says she is not covered. They told me when she got her license last year that she was. Can I fight this and win?
2007-01-27 06:06:37 · update #1
No way in hell can you win this.
Your minor children that live with you and drive must be listed on your policy, why do you think the premiums go up when you insure teens to drive? Besides, your insurance company has a document called your POLICY that spells out who is covered, why ask here?
This question has been asked and answered so many times I am surprised people still ask it.
2007-01-28 06:26:30 · answer #1 · answered by Anonymous · 0⤊ 2⤋
Insurance goes with the vehicle. If she was driving your vehicle with your permission she is covered under your insurance. However if you only have liability insurance, not full coverage, and she was at fault in the accident, the insurance is correct in saying she isn't covered, since liability only pays for other property she might damage, not your car. If you have collision, then they would pay for your damage, less any deductible.
If she is under 18, and lives at your address, she should be listed as an additional driver on your policy. I'm sure your agent could answer any concerns you might have regarding this.
2007-01-27 14:11:23 · answer #2 · answered by oklatom 7 · 0⤊ 0⤋
Not enough details to give you a good answer but there is one thing for certain: if there is no coverage extended to your daughter when she drives your vehicle then it will be somewhere in black and white. Denial of a claim is very specific. Just ask the insurance adjuster or agent to show it to you.
2007-01-27 18:13:28 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Without all the details it's hard to say. Usually the policy defines insureds as you, your spouse, and resident relatives of your household as well as anyone you give permission to drive. So there should be coverage, unless you signed an endorsement that specifically excluded coverage to her by name. I don't know CA law, and there can be some variances, but you need to either tell us or ask them exactly where in the contract they are getting their position regarding no coverage.
2007-01-27 16:17:15 · answer #4 · answered by Chris 5 · 0⤊ 0⤋
Not likely,It wiil cost you more if you do(insurance premiums)
2007-01-27 14:11:54 · answer #5 · answered by Anonymous · 0⤊ 0⤋