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Will my insurance company pay for the damages? |
Who knows the answer to this question:? I have a policy with 21st Century Insurance. I also have a teenage son in my house who uses my car to go to school everyday. He is not on my auto insurance policy and he caused an accident yesterday. Yep, you keep asking the question. And no one here has read your policy. Call your agent and ask. There's a good chance they won't pay. There's a chance they will, but add him on since the date he was licensed, and you'll have to pay 5 years of extra charges (if he was licensed at 16). ***yes, you screwed up. I went to their web site, and it says, "all regular and occasional drivers must be listed. But on the APPLICATION, it MUST have said, list all household members who are licensed drivers. So by OMMITTING a household member who is a listed driver, you CAN void coverage for that driver.*** Source(s): agent, 21+ years It wil depend upon your policy so ask your http://www.freewebs.com/all--insurance/... Check with your agent right away. But if your son lives in your house, he'd probably have to be on your policy to be covered. If he has his own separate policy, the accident costs might be covered under that. Not the best situation but usually, insurance will cover an authorized driver in your vehicle. Also, most of same household members are covered. But remember, they are going to ask some pointed questions about why you didn't list him as an additional driver. You may not want to admit that he uses car every day to go to school but I'm not suggesting fraud........just be creative in your answers. However, rest assured that your policy costs are going to increase substantially in the future. As suggested above, please contact your agent and inform them of the accident as soon as possible. No matter what, you need to handle the matter since your son caused the accident. It would depend on what your policy says. Are other licensed drivers covered when they drive your vehicle? (I know my children needed to be included on my policy while they live in my household. If someone else is driving my car they are covered, but they don't live with me.) Call up your agent and find out. Good luck. |
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