If I let someone without a license drive my car and they get into a wreck, will my insurance cover it?

She is only 15 and doesn’t have a license.

Asked on May 22, 2012 under Accident Law, Nebraska


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

No,  your insurance would not cover it. While insurance will usually cover permitted drivers (those  you allow to borrow a car) it will not cover when the driver is not legally allowed to drive.  Also, allowing an underage person who does not have a license to drive your car is grossly negligent, or highly careless, and when a person does something grossly negligent, that gross negligence generally precludes coverage. And related to the above, usually doing something illegal with a car precludes coverage--and it is illegal to allow an unlicensed driver to drive. Veiwed several ways, therefore, you would not be eligible for insurance coverage in the case you describe.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.