My son who is unpermitted and unlicensed, caused an accident involving another car. I was in the passenger seat. My car has full coverage. Im fairly certain the claim i put on my car will be denied. My question is, what is the likelihood that my insurer denies the other driver's claim and should I be prepared for a law suit?
Posted by Jutch_Cassidy
5 Comments
Anything is possible here depending on the details IMO. Was the son a licensed driver previously, does he live with you? Were you giving him driving lessons?
If the other party has their own coverage, you’ll likely receive a demand from them for the damages. A driver with a permit is typically covered under their parents’ insurance. A driver without one likely is not.
Check if you ever excluded him on your policy. You would of had to sign something.
If the insurer denies your own collision coverage for an unlicensed, unpermitted driver, they will almost certainly deny liability coverage.
I don’t know the ins and outs of your state and policy, but if they determine you violated the policy contract, none of it applies, collision or liability.
You become personally liable for any damages, property and bodily injury, the other party incurred. You also will not be provided a legal defense by your insurer and must pay for any defense costs.
In short, you are entering the finding out phase of FAFO.
Finally, what the hell were you thinking?
Most likely they will deny it because he should have been added to the policy . Also, not allowed to drive until he obtained a permit or license.