Uninsured/ no license

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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: Jan 21, 2013

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Insurance Question from Dallas, TX

Asked on 01/21/2013

Uninsured/ no license my daughter was involved in accident where she hit three parked cars. She does not have her license and is not on our insurance. Will the insurance cover our vehicle and the other three?

Answer given on January 21, 2013

If your daughter was using your car and had an accident, then your car insurance will cover the damages to the other cars, up to your policy limits. This is presuming she is not excluded on your policy as a driver. Even if she does not have a license, your insurance company should pay for the damage to the other cars.If you have collision insurance, then the damages to your car will be covered, less your deductible. If you do not have collision coverage, then the insurance company will not pay for your damages to your car.The insurance company will most likely now ask that your daughter be excluded from your policy. Once she gets her license, they may be willing to add her to the policy, but depending upon the amount of damages, they may continue to exclude her.Since she is not licensed and not on your insurance, your rates should not increase at this time. However, when she does get a license, her insurance rates will reflect this accident. Also, not being licensed, she may face charges from the police for the accident and her ability to obtain a license may be delayed.

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