Does car insurance cover expenses results of a car accident while you drive alone with instruction permit?
Wednesday, February 24th, 2010 at
5:24 am
smoothop asked:
if fault is yours for accident and you hit a car then does your insurance company pay for the damages ?
I know it was silly to drive alone but I had an exam and nobody around to come with me. Car is mine which is salvage now. Now the question is that if I could not pay the second party’s expenses, what will be the case? monthly payments with irrational interest rates or community service or end up in jail ?
if fault is yours for accident and you hit a car then does your insurance company pay for the damages ?
I know it was silly to drive alone but I had an exam and nobody around to come with me. Car is mine which is salvage now. Now the question is that if I could not pay the second party’s expenses, what will be the case? monthly payments with irrational interest rates or community service or end up in jail ?
Tagged with: Car Accident • Insurance Company • Interest Rates
Filed under: Car Insurance
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I think that they would be able to argue that.
Yes, if your an authorized user on the policy. The insurance will cover the other parties medical and vehicle damage. If you had any injuries I would take advantage of your medical rider. The medical rider generally will cover $5000 worth of medical expenses, ie. emergency room, chiropractor, etc. Hope your all right.
Well if its just a learners permit I’m pretty sure they will not pay since you were alone..
Depends a lot on the insurance company and the policy on the vehicle and what state your residing in. As to driving alone with a permit that also becomes a factor as well as the type of car accident. To many factors to actually give you a difinative answer because there’s no enough information for me to be more specific. sorry.
You broke the law and you ought to lose your permit for a while! In Texas, they probably would arrested your PARENTS for allowing you to drive illegally!
You need to call your insurance agent or broker as soon as you get this and let THEM tell you if you are covered. It all depends on your State’s requirements!
Now…..start obeying the law before you end up being someone’s roomie IN JAIL!
Good luck, drive RESPONSIBLY and I hope this helps!
IF I UNDERSTAND YOUR QUESTION, YOU WERE NOT WITH THE REQUIRED FULL LICENSED PASSENGER, THEN IT WOULD BE UP TO THE INSURANCE COMPANY TO DECIDE.
Depends. Are you in a no fault state? Does your policy have an absolute exclusion for non-listed drivers?
I’ve seen it go both ways. But I CAN tell you, if you’re driving on just a permit, whoever owns the policy, is going to have two choices after your accident – flat out exclude you from coverage, or get their policy cancelled. Then they’ll end up with a high risk policy, and you WILL be flat out excluded.
See, if you get in an accident driving alone on a permit, you won’t be ALLOWED to get your license for at least a year, or until you turn 18, whichever is LATER.
Does your permit require you to have a licensed driver with you while driving? If so, the insurance probably won’t pay since you will be considered an unlicensed driver. The owner of the vehicle will be responsible for the costs and possibly cited into court for allowing an unlicensed driver to operate their vehicle.
If you are driving illegally, insurance won’t cover you in most states. If you are driving alone with instruction permit, you’re driving illegally and you won’t be covered.
Maybe I don’t understand the purpose of an instruction permit…shouldn’t you have been driving with an instructor? I didn’t think you could drive alone with one.