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If a friend that doesn't have a license borrows my car and they get in an accident will my insurance cover it? |
If a friend that doesn't have a license borrows my car and they get in an accident will my insurance cover it? Once again I see that a bunch of people who must not be in the insurance claims business are giving bad answers. Knowingly borrowing your car to an unlicensed driver is really dumb but your policy would cover it. I am in the insurance claims business and have been for 20+ years. I have paid many claims where the driver never had a license, had a suspended license, had a revoked license or had a learners permit. Generally your insurance would provide coverage for any damages the unlicensed person caused as long as they had your permission to use the car. Here are some reasons why; - There is no idiot exclusions in an automobile policy. - There is no exclusion to deny coverage in the standard or auto policy for the driver not having a license. - 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 unlicensed drivers. 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 didn't have a license. If you are really concerned about and are looking for confirmation call your insurance companies claim dept and tell them you would like to talk to a claim adjuster about a general question. EDIT Hey sensible_man feel free to argue with me all you want. It is a great way to learn new things and I'm never opposed to that. I have copies of or am familiar with the policies of about 12 different companies and none of them have wording or exclusions about unlicensed drivers (or drunk drivers) not being covered. If you don't mind let me know what state you are in and what part of your policy talks about no coverage for unlicensed drivers. Thanks Source(s): Claims adjuster for way too long. NO. Never let some unlicensed indiv. drive your whip! No. Insurance does not cover non-licensed drivers! there is only one insurance that will cover that, but it costs a lot to insure. if it is any other company, then you are the one liable. Most insurance policies will not cover unlicensed drivers. You may well be screwed. . no, you will be left to pay the bill and suffer the increase in your insurance rates. |
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