My daughter(an excluded driver), driving my husbands truck, had a blow out. Her BF broke his arm. They want my insurance info. What should I do?
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UPDATED: Dec 24, 2011
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Insurance Question from Springfield, GA
Asked on 12/24/2011
My daughter(an excluded driver), driving my husbands truck, had a blow out. Her BF broke his arm. They want my insurance info. What should I do? NULL
Answer given on December 26, 2011
If an auto policy has an excluded driver, then the insurance will not respond if that driver is involved in an auto accident. Your daughter should not have been allowed to drive your husband’s vehicle, since you were aware she was excluded. She also should have known that she should not have driven the vehicle.I’m not sure who wants your insurance information, since you didn’t specify who “they” are. If it is the Dept of Motor Vehicles, you should provide them with your insurance policy. The boyfriend could have medical insurance coverage under his own auto insurance policy which will help pay for his medical bills. If he does not, and does not have medical insurance from an employer or from school, you may be held responsible for his injuries, provided that you knew your daughter took the car. If you did not, you may be able to avoid any responsibility for the accident. However, your daughter could be subject to legal penalties since she was an excluded driver, and, if you didn’t know she had the car, then she could be charged with theft.
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