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UPDATED: Apr 1, 2017
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Insurance Question from Orcutt, CA
Asked on 04/01/2017
Coverage Car is registered in my name. Daughter drives the car. Insurance on car is in her name, her insurance. She just moved to Nevada. Boyfriend was driving car, got into accident, no license, and a dui. His fault. Deductible is $500. Coverage is $5000. Is insurance going to fix car? Gieco is insurance
Answer given on April 09, 2017
Technically, car insurance should be written in the name of the registered owner. In this case it should have been insured under your name, with your daughter listed as a driver of the car. Unlisted drivers are usually covered under the standard auto insurance, but since the driver was unlicensed, the insurance company could deny coverage. If he had permission to use the car, and daughter did not know he was not licensed, it is possible there is coverage.You don’t indicate if another car was involved in the accident and/or if there are injuries. These factors could influence the insurance company to deny coverage as it will increase the severity of the accident. Insurance follows the car, so any damages or injuries to other parties would be the responsibility of the insurance policy on the car.Your daughter needs to call the agent or insurance company and report the claim. Let them ask the questions and have her give truthful answers.
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