2007-08-04 04:10:32 · 16 answers · asked by need to know 1 in Cars & Transportation ➔ Insurance & Registration
You are screwed. No way is insurance going to pay you out.
2007-08-04 04:15:29 · answer #1 · answered by Choqs 6 · 2⤊ 2⤋
I'm going to go out on a limb and assume that most if not all of the answers so far are coming from people who are not claim adjusters.
In the vast majority of states your insurance, if you had it, would provide coverage for any damages the drunk idiot causes. Here are the reasons why
- There is no idiot exclusions in an automobile policy.
- There is no drunk driving exclusions in the standard or non-standard auto policy.
- The drunk had the permission of the owner to use the car and therefore becomes an "insured person" under the terms of the policy.
- In the 22 states that I have handled claims in there is no exclusion listed in any of those policies excluding coverage for letting a drunk drive your car.
- Most states would not allow an exclusion for this situation as it would be considered against the "Publics best interest" to deny coverage to innocent people who are hit by drunks or unlicensed people under the circumstances you describe. Insurance companies would love an exclusion like this, think of all the money that could be saved if they could deny claims because the driver had no license or was drunk!
I can't even guess how many claims I have paid in situations like the one you describe......."I let John drive because he was less drunk than me" I've heard it a million times.
Your drunk friend (and possibly you ) would certainly face some nasty charges and fines but if you had insurance the damages would still be covered.
If you have no insurance then you and the drunk driver get to pay out of your own pocket for years to cover the damages.
2007-08-04 14:01:46 · answer #2 · answered by fighting saints 6 · 0⤊ 1⤋
If you gave your car to an unlicensed driver, and knew that he had no license, your insurance would be void with him driving and the expense of the wreck would come out of your pocket, both your vehicle and anything else that was damaged. Chances are your car will be impounded and towed after the wreck, and that bill will also be yours.
Why the question? Why would you even THINK about doing such a thing? To top it off, you could be charged criminally depending on the severity of the accident for allowing this to happen. It's like giving loaded gun to a 6 year old.
2007-08-04 12:13:11 · answer #3 · answered by oklatom 7 · 2⤊ 1⤋
A few fries short of a happy meal are we. I would guess you would have, 1- a hungover and sore friend. 2- a wrecked car. 3 - a great deal of luck if the cops weren`t there. You can be charged with different charges for giving him the keys, depending on your state. Insurance most likely not repair and may even cancell your policy. And they say our education system is one of the best in the world.
Alcohol + common sense= 0
2007-08-04 11:22:55 · answer #4 · answered by Anonymous · 1⤊ 0⤋
Most people would want you locked up and the key thrown away.
The people in the other car, and their families, or their insurance company, would sue you for everything you own ... bank accounts, and have your pay garnished for life, to pay for the damage and medical needs of the other people. Your insurance would not pay any of this.
Insurance pays for accidents where it really could not have been avoided. You deliberately put a lethal weapon (your car) in the control of a person who is out of control.
Depending on how much damage, and deaths or injuries, you could get the death sentence, but I doubt it.
2007-08-04 13:59:55 · answer #5 · answered by Al Mac Wheel 7 · 1⤊ 1⤋
You'd be completely liable as you KNEW he didn't have a license. Now if you'd given the keys to him and he was a completely licensed driver, he'd be responsible because you gave him a bailment - this means that he has the responsibility to return the car in the condition in which he got it. That he's not licensed shows that you did not expect that he would have the experience or care to return it in the same condition.
2007-08-04 11:20:04 · answer #6 · answered by Lex 7 · 2⤊ 1⤋
Same as what would happen if it was you driving the car without a license. No insurance coverage and an additional ticket for allowing an unlicensed/uninsured person to drive your car. All lawsuits and damages will be paid by you.
2007-08-04 12:42:16 · answer #7 · answered by sensible_man 7 · 2⤊ 1⤋
You are out of luck in California too.
You aided a person in an illegal act. You can go to jail, and anybody whose property was damaged can collect from your insurance and then sue your pants off. If somebody was injured, you and your drunk friend are in such deep yogurt it isn't even funny.
Will your insurance pay for your car? No!
2007-08-04 11:20:33 · answer #8 · answered by jack of all trades 7 · 2⤊ 1⤋
You would not have insurance protection. The friend is not a party to your insurance plan. To let this person drive your car would not be the best decision.
2007-08-04 11:22:49 · answer #9 · answered by Alanrt1 4 · 2⤊ 1⤋
If you knew he had no licence and was drunk, you have no insurance on the vehicle. If someone else is injured, you will be sued.
2007-08-04 20:35:12 · answer #10 · answered by Fred C 7 · 0⤊ 1⤋
Your made a huge mistake. You just contributed to the accident. You had a prior knowledge.
2007-08-04 11:19:17 · answer #11 · answered by Gary 5 · 3⤊ 1⤋