Unlicensed Teen Took My Car, Will Insurance Cover the Accident?

My 15 yr old unlicensed daughter drove my fully insured vehicle and hit someone. Will my insurance cover me?

It is likely that your insurance company will cover this as a theft claim, but they might require ?you to report the incident to the police department before paying a claim. That is assuming you did not give her permission to drive your car.

One might argue the accident should fall under collision, if your child had a ?reasonable belief? that she had permission. Legal to drive or not, some parents do allow their children to take their cars. In that case, the accident would be covered as collision, less the deductible. The insurance company might require you to list or exclude her as a driver going forward as well. Although she doesn?t have a license, she clearly has decided she wants to drive. If a similar incident occurs in the future, you can be sure they won?t cover that one!

Although we do our best to offer you accurate and current auto insurance advice, we are not responsible for any negative consequences you may encounter after reading this advice. Insurance problems are often complex and can hinge on facts not provided in your submitted question. For this reason, you should not use this advice as a basis for any decision. We provide these answers for information purposes only, with the intention of steering you towards making your own conclusions about how to act or refrain from acting. Because we are not lawyers, no information on this site should be used as legal advice.

Source: http://www.autoinsuranceadvice.com/insurance-questions/2259/15-yr-unlicensed-daughter-drove-fully-insured-vehicle-hit-someone/

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