age of 18, but she does not have no licence and no insurance and she causes an accident and she is at fault. The police gave her ticket (the uninsured driver), will the husband insurance liable to cover the damages?, despite he was not driving the vehicle.
2007-10-09 13:10:42 · 10 answers · asked by Anonymous in Business & Finance ➔ Insurance
you are insuring the auto not the driver so the owner/insurer will have to pay for the damage to the other car. And he can also be liable or letting a non license driver use his car. She should not have been given a ticket for no insurance. But ticket for no drivers license instead. The husband better hope no one was seriously injured.
2007-10-09 13:28:51 · answer #1 · answered by Dribbles & Mitz 2 · 0⤊ 0⤋
I'm assuming that since you say common law wife, that this couple lives together. If that is the case, there is a good chance that your insurance company will not pay because they usually do not cover people in your own household unless they are listed on the policy. They will cover other individuals you may loan your car to if they are licensed drivers, but you may have to pay for this one yourselves.
You obviously know now that you made a big mistake, so I won't belabor the point. You may get lucky and your insurance company may show some startling compassion (they generally aren't big on that) and cover the loss anyway. If they do, expect your premiums to really jump.
Best of luck.
2007-10-09 19:26:39 · answer #2 · answered by Anonymous · 0⤊ 0⤋
In general -Yes. However, there could be other information not provided in your question that can change that answer.
At any rate, the husband is responsible for several reasons:
1. he owns the car
2. he is negligent for knowingly giving the vehicle to an unlicensed driver to drive - negligent entrustment.
He and that driver can be sued and held personally liable if the insurance coverage is not sufficient to pay for all damages.
Don't ever give your car to an unlicensed driver again (let this be a lesson to you.) You also can not give your car to an intoxicated person to drive either - cause that would be negligence as well.
2007-10-09 15:47:46 · answer #3 · answered by Boots 7 · 0⤊ 0⤋
There is a part of your policy that covers an occasional driver. That applies in cases in which you lend your car to someone who doesn't drive it everyday. She shouldn't get uninsured citation, because the vehicle is covered. She would still be liable for no license and for being at fault.
2007-10-09 13:19:19 · answer #4 · answered by Anonymous · 0⤊ 0⤋
maximum insurance regulations have customer motive force privileges for any person keeping a valid license who's making use of the automobile with the owner's permission and does no longer stay on the comparable handle.
2016-11-07 20:24:19 · answer #5 · answered by Anonymous · 0⤊ 0⤋
The other persons insurance company is going to go after you and your insurance company to pay for damages.
Why would you let someone who does not have a license to drive your car anyway, regardless of the relationship.
2007-10-09 13:39:32 · answer #6 · answered by AE N 5 · 0⤊ 0⤋
Absolutely not.she was illegally driving (no lic) so the insurance company will not cover her.If thats not bad enought she is a teen and that requires special insurance for them to drive legally....George
2007-10-09 13:22:16 · answer #7 · answered by tgeorge12000 4 · 0⤊ 0⤋
Also, please keep in mind that common-law marriages have been abolished in 40 states. Only Alabama, Colorado, Iowa, Kansas, Montana, Oklahoma, Rhode Island, South Carolina, Texas, and Utah still recognize common-law marriages. If you don't live in one of those states or D.C., you don't have a common-law marriage.
2007-10-09 13:29:57 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Since she didn't have a license, probably not. They might have if she'd had a valid drivers license at the time of the accident.
2007-10-09 13:19:02 · answer #9 · answered by luckyirishgirl2004 3 · 0⤊ 1⤋
Depends on policy wording and state laws
2007-10-09 14:22:47 · answer #10 · answered by mamatohaley+1 4 · 0⤊ 0⤋