In the state of Texas, will an insurance policy with the vehicle cover an unlicensed driver?

Question

Someone hit my house with a car, she was driving her moms car with permission but did not have a drivers license. Would the insurance her mom had on the car cover any of the damages? She was not a minor and this occured in Texas.

Answer 1

Yes it Will. If the mother has an Auto Insurance policy on the vehicle, and the child is not excluded by name from that policy, then the property damage liability portion will cover under permissive use rules, even if un-licensed. File a claim with the Insurer. A parent is liable for certain actions of their child.

A " Named Driver Policy, aka " Operators Policy" or a Non-Owners policy on the Parent will Not cover.

No need to hire a lawyer unless the company refuses your claim or the parents refuse to release their insurance information.

It is always advisable to file a claim prior to hiring an attorney. lf you find yourself in a court battle later, It always looks better for you if you gave the insurance company an opportunity to pay before sueing them. Over 90 percent of all legitimate claims are paid in a timely manner.

Answer 2

1

Answer 3

what do we have here- 10 problems? Car taken & wrecked by somebody else. If it were stolen and wrecked by somebody else, you would be covered regardless of whether they had a license. You didn't report it stolen, so you loaned it out(trusting that that driver would be a good driver). The question is how did the car get wrecked? If he went 4x4 with it, and ripped out the undercarriage.......your loss. No insurance covers deliberate mishandling of your vehicle. If he got into a car accident with another vehicle and it is the other vehicles fault....different kettle of fish. Question...does your insurance cover you if you decide to drive into a tree? ( Its not the trees fault, it is yours). So do you have collision, or do you have the cheapest which is third party coverage? In other words, somebody has to hit you and their insurance would cover your damage. The car is not registered to you? It's not "your car". I am thinking "if you have 'under insured' the car, no right to loan it out and the costs would have to come out of your pocket. I may be wrong, but I am trying to look at it from the insurance company. Read your policy. As for reporting it stolen, it is a little late for that and you would need to lay charges against the stealer.

Answer 4

As long as she is not an excluded driver on her mother's policy, then yes there would be coverage (regardless of if she has a drivers license, or if she is a minor or not). Insurance follows the vehicle, not the driver, so as long as the vehicle has insurance, and again, she has permission, the liability coverage should cover your damages.

Answer 5

It really depends on the coverage she has. What I have found is that most people in Texas have liability, which doesn't cover $hit. Have you called both of your insurance companies? Have you called a lawyer. If not you need to ASAP. Good Luck!

Answer 6

It's a qualified yes. Of course the mother agreed to obey all laws when she signed up for insurance, and did not by allowing her unlicensed daughter to drive. But that doesn't mean YOU suffer, so they will pay for your damages, and then try to get it back from mom, and probably drop her coverage.

Answer 7

You have to sue them any way. Whether their insurance covers the damages or not is THEIR problem, not yours.

File the claim any way. If they deny you can sue the driver directly.

The problem here is the mother suffers from poor judgement. Whether insurance covers poor judgement is a very good question. :)

Answer 8

I don't think so...might be time to get a lawyer