Permissive use liability coverage

My parked car was hit buy an unlicensed driver who did not have permission from the owner of the vehicle to to be driving. The driver stated he had permission from the owners daughter. Now the insurance companyfor the car that hit my vehicle will not pay for my damages saying that the driver did not have permission to drive the vehicle. Is this really the case in Arizona?

Asked on July 1, 2009 under Accident Law, Arizona

Answers:

L.M., Member, California Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

To trigger coverage, one of the named insureds on the policy would have to have given permission to the unlicensed driver.  If the daughter was a named insured (see the dec sheet that came with the policy to see who the named insureds are), and she gave him permission, there may be coverage.  If not, then no, there is no coverage on the auto policy.  You would have to sue the negligent driver directly.

L.M., Member, California Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

To trigger coverage, one of the named insureds on the policy would have to have given permission to the unlicensed driver.  If the daughter was a named insured (see the dec sheet that came with the policy to see who the named insureds are), and she gave him permission, there may be coverage.  If not, then no, there is no coverage on the auto policy.  You would have to sue the negligent driver directly.


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