car registered in my name.my 17 yr old is primary driver.her boyfriend driving, small incident with pole. is he covered?
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UPDATED: Jul 12, 2010
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Insurance Question from Thomaston, GA
Asked on 07/12/2010
car registered in my name.my 17 yr old is primary driver.her boyfriend driving, small incident with pole. is he covered? NULL
Answer given on July 12, 2010
If your 17 year old’s boyfriend is licensed, not excluded from your policy and had permission to use the car then you are covered. The insurance follows the car, so it will be your insurance that will pay for the damages. If the only damage was to your car then your collision coverage would pay for the damages, less your deductible. Your insurance will also pay if the pole was damaged. Your insurance will not be increased for this incident since the boyfriend is not in the household and not listed as a regular operator.
If you do not have collision coverage on your car I would recommend that you ask the boyfriend to reimburse you for the damage to your car. If you do have collision coverage, you might want to ask him to pay the deductible.
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