Will insurance cover 18 yr old nephew with permit who took car without permission & hit tree?

Question

Will insurance cover 18 yr old nephew with permit who took car without permission & hit tree?

Answer 1

If he just has a permit then the insurance company will not pay.  Then add in the fact that he is not on your insurance policy..... they won't pay.

Sorry. The only way to have it paid for is to have him charged and then you submit that to the insurance company. Other wise you will have to pay out of pocket.

Answer 2

My suggestion is trying to get as much resource as you can before making final decision,here is a good one.http://car-insurance.easyideas4u.info/ca...

Answer 3

OK, let's clear something up first - unless you are filing theft charges against the nephew, and reported the car stolen, he WAS driving with permission - even if it's not explicit permission.  

Either he stole the car (which you have to prove by sending him to jail!) or he didn't.

Now, you're going to have to ask your agent about this, the main question here is, does he live with you.  If he does, he's a household member.  The second question is, how is your policy worded.  SOME policies won't cover any household member that isn't listed on the policy - even if they don't have a license yet, and only a permit.   Some policies will cover it.

In either case, you're going to have to list him on your policy now, and you'll be paying the appropriate surcharges.  That is, IF they don't flat out cancel your policy - because  if you don't file the theft charges against him, that means you're permitting unlicensed drivers to operate your car.  

There is no, "Oh, I didn't give him permission, but I don't want him to go to jail."   It's one, or the other.  Period.

Answer 4

If he had implied permission(Implied permission means that

permission may be found even though not expressly granted.  Implied permission would be prior use without express permission and  without objection by the owner) to use the vehicle, and no stolen vehicle charges were filed, then the insurance company should pay for the damages.   The insurance company will want to take his and the owner's statement.  

However, as indicated, if he was a household member and had to be a listed driver and was not, then the insurance company can deny collision coverage.  Usually, liability coverage can only be cutback to the compulsory limits of the state, not outright denied.