What to do if my son is a student driver and he got into an accident with me in the car?
Get Legal Help Today
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
What to do if my son is a student driver and he got into an accident with me in the car?
I filed a claim with my insurer but they refused to cover the claim because they listed him as an exclusion on my policy 10 years ago when he was 12 years old. My response to them that at 12 years of age he can not drive a car and he should not even be considered. They also included my 9 year old son at the time as excluded. Now I am forced to pay for my own repairs plus $8,000 to the other drivers insurance. Can you list children on a car insurance policy?
Asked on May 8, 2013 under Accident Law, California
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 10 years ago | Contributor
Not only can you list children on your policy, but you have to do so if/when they start driving, if they reside at your home. Once you have another driver, including a student driver, you are obligated to update the information to the insurer; if you not, they may be able to deny coverage, as they did here. If you did not inform your insurer you had a student driver, then they may not have to cover him.
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.