A close friend in South Carolina just had their grandson pass the driver’s test. He has Asperger’s & did not have an attack during the test.
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UPDATED: Sep 1, 2016
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Insurance Question from Humble, TX
Asked on 09/01/2016
A close friend in South Carolina just had their grandson pass the driver’s test. He has Asperger’s & did not have an attack during the test. Due to his mental condition, will his parent's insurance cover them in the event he has an accident due to his condition? Also, were his parents required to disclose his condition to the license bureau and their insurance company? This 15 year old can't even drive a golf cart without crashing it, but managed to get a learner's permit. If anything happens that startles him, he will go into panic mode while driving & no telling what he will do.
Answer given on September 28, 2016
Your friends whose grandson has Aspergers need to review their decision to let him drive.There could be an issue if the son has a health issue that can affect his driving. Most insurance companies ask that kind of question when adding a new driver. Even if the question is not asked, the parents do have the duty to reveal the information to the insurance company as well as to the DMV when applying for a driver’s license. If the grandson lives with his parents, then the parent’s insurance would respond due to any accident caused by their son. If he owns his own car, he would need his own insurance. The policy should follow the titled owner.If there is a major incident caused by the son, the insurance company will investigate and could deny coverage if it is revealed that the parents and/or son withheld medical information. They may want to discuss the situation with the doctor treating the son.
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