my daughter is not on my insurance but occasionally drives my car what would happen if she were in an accident
2007-02-25 05:19:14 · 15 answers · asked by susan 2 in Cars & Transportation ➔ Insurance & Registration
If she lives with you, the insurance company will fight to not pay. Anyone that lives in your household is technically supposed to be covered by your insurance policy if you ever let them drive your car. I think they define it as "anyone who has regular access to your vehicle" has to be added to the policy.
2007-02-25 05:23:38 · answer #1 · answered by james m 2 · 1⤊ 1⤋
Several things could happen, depending on the state you live in, the company, and the policy form:
1. The insurance company can deny the claim. They wouldn't have to fix your car, and they wouldn't pay any damages to anyone else, or their car. That would leave you writing the check for both YOUR car, and the other car, and any medical bills for the people in the other car.
2. The insurance company can pay the claim, and add your daughter on retroactively from the date she was first licensed. They would bill you immediately for the additional premium of the youthful operator, and it would be due in full, or they'd cancel you.
3. They can cancel your policy, regardless of whether or not they pay the claim - for failure to disclose an operator. That would mean you'd have to go to a high risk company to get insurance again.
4. If they paid the claim, they'd stick an accident surchage on your policy, which would follow you for between 3-5 years, depending on what state you are in.
It's probably a good idea to list her.
2007-02-25 16:45:14 · answer #2 · answered by Anonymous 7 · 1⤊ 0⤋
She would be ticketed with driving w/o insurance, and you would likely be sued by the people involved in the wreck. Why would you allow her to drive uninsured? At 17, some states would take her license from her as well, until she turned 21. I've noticed some people are saying you have coverage because she lives in your home. That couldn't get any farther from the truth, you would have exclusions written in your policy, regarding people living in the home and having access to vehicles. Read your policy.
2007-02-25 15:03:05 · answer #3 · answered by fisherwoman 6 · 0⤊ 0⤋
Insurance follows the car, not the driver. If you gave your daughter permission to drive your car, it should be covered. If your daughter lives in your household, you do need to tell your insurance company and have her rated as a driver. It's expensive to insure teenagers, no doubt, but they are a much higher risk than adults. I've seen people dropped for not reporting such things. Once you've been dropped from an insurance company, the rates you will pay will skyrocket with substandard companies.
2007-02-25 14:11:41 · answer #4 · answered by Jessica S 3 · 1⤊ 1⤋
You agree when you get insurance to notify them of anyone in your household with a license (whether they drive your car or not) and to either add them to your policy, or exclude them specifically from your policy. So, if she was driving and had a wreck and was not on your policy, you would be out the costs of damage.
2007-02-25 16:28:57 · answer #5 · answered by oklatom 7 · 0⤊ 0⤋
If she lives with you she is automatically considered an insured on your policy. Further, if she had your permission she is covered. She should be a listed driver at this point, though- so please make sure to add her.
The only way she would not be covered is if you had signed an endorsement specifically excluding coverage for her by name.
2007-02-25 18:21:14 · answer #6 · answered by Chris 5 · 0⤊ 0⤋
Depends on the insurance company. By law, it is not illegal for ur family member to drive under ur policy, they have the right to do so. tho its illegal if ur friend drives it. If she wreck it, good insurance co. will pay for it, then they would bill it to ur account, u'll have to talk with them how u gonna pay it off on the future. For bad insurance co. u gonna have a headache for getting ur claim, tho by law, they have to pay for it. And talk about the future, there will be no doubt on a rise of ur insrance payment. As well as ur daughter's. It will haunt you.
2007-02-25 13:25:39 · answer #7 · answered by steak5959 3 · 0⤊ 1⤋
It depends. Is she exempted from the policy? Usually if when you get a policy they ask about everyone else who is a driver living with you. If they did, and you told them she lived there and is not listed, than they probably specifically named her as NOT being able to drive.
If she is not listed as exempt, than it is up to the insurance company and it would also depend on the type of collision she were in.
2007-02-25 13:21:57 · answer #8 · answered by ? 3 · 0⤊ 1⤋
she wouldnt be covered, insurance wouldnt pay for your car to get fixed, it wouldnt pay for the other car, and it wouldnt pay for any medical bills. and there would be some pretty steep fines for her driving without a license. even if its not her fault, you're screwed if she wrecks it. you better put her on there ASAP or not let her drive!
2007-02-25 13:24:00 · answer #9 · answered by monotonous_life7 3 · 0⤊ 0⤋
what you can do is when the cop asks if she is on your policy say she was just borrowing the car for the day otherwise ur hit with all the bills in full!
2007-02-25 13:21:54 · answer #10 · answered by jodi_bim 1 · 0⤊ 0⤋