Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 15, 2013

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Insurance Question from Brookston, IN

Asked on 06/15/2013

Does insurance cover an unauthorized passenger of a probationary, 16 year old driver? If a 16 year old probationary driver has a wreck and injures an unauthorized passenger, does insurance cover the medical bills for the passenger?

Answer given on June 17, 2013

If your car is being used by an authorized driver, the insurance follows your car. Since the driver does not yet have a license, they are not listed on the policy yet, but they are a covered driver as long as they had your permission to use the car. If the driver should not have had a passenger in the car, the police could issue a citation to the driver for this infraction. However, your insurance will still defend you and pay for the injuries to the passenger. If you have collision coverage on your car, the damages to your car will be covered, less your deductible. If the driver is a resident of your household, your rates could increase due to the accident.Contact your insurance company to report the claim and advise there was an injured passenger. The injuries will be covered under your liability coverage, up to its limits. There is no deductible for this coverage.


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