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

Answers:

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.


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