If I had an accident with my daughters car and I don't have a license but she is insured will they pay for the damages? 13 Answers as of July 18, 2014

I had an accident with my daughter’s car. I have no license but my daughter has and is fully insured. The guy claims it is my fault but I was pulling out of a parking lot and the traffic light was red (there is a sign that says stop here on red) and he didn't and slammed into me.

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Ken Oliver Law | Kenneth Oliver
Yes, your daughter's insurance, as the owner of the veh, is primary and should cover the accident as long as you had her permission to use the car at the time.
Answer Applies to: New York
Replied: 7/18/2014
Domnitz & Skemp, SC
Domnitz & Skemp, SC | Merrick Domnitz
There will be a problem with insurance coverage if you took the car without your daughter's knowledge, or if she gave you permission to use car knowing you did not have a license.
Answer Applies to: Wisconsin
Replied: 7/16/2014
Peterson Law Offices PC
Peterson Law Offices PC | Todd Peterson
There should be insurance coverage so long as your daughter gave permission for you to drive the car.
Answer Applies to: Oregon
Replied: 7/11/2014
Wm. Keith Dozier, LLC | Keith Dozier
The adverse party may have a valid claim against your daughter for "negligent entrustment" - allowing you to drive the case without a license. They may also have a claim directly against you. Without knowing what your daughter's insurance policy language says you cannot be sure whether or not her insurance policy will provide coverage for liability (if there is any). You should have your daughter contact her insurance company and report the accident. They can then open up a claim and determine what needs to be done.
Answer Applies to: Oregon
Replied: 7/11/2014
Law Office of Linda K. Frieder
Law Office of Linda K. Frieder | Linda K. Frieder, Esq.
Your daughter need to submit the claim to her insurance company.
Answer Applies to: California
Replied: 7/11/2014
    Law Ofices of Edwin K. Niles | Edwin K. Niles
    One would have to review the policy, but usually only licensed drivers are covered. Sounds like the other dude's fault.
    Answer Applies to: California
    Replied: 7/11/2014
    Law Offices of Ronald A. Steinberg & Associates | Ronald A. Steinberg, BA, MA, JD
    Did you get a ticket? If you did, you have a problem because to fight it, you would have to admit that you were driving without a license. Whether or not you were insured at the time would depend on your daughter's insurance company as to whether or not they will cover you. Without a license means that you should not be driving. You may be financially responsible; additionally, since you were a permitted user of the car, your daughter would be liable whether or not her insurance covers her. Not a smart move by either of you.
    Answer Applies to: Michigan
    Replied: 7/11/2014
    EDWARD M. MILLER, PC
    EDWARD M. MILLER, PC | EDWARD M. MILLER
    Not able to answer since you don't say what damages are claimed by whom and whether, as an unlicensed driver you are shown as an excluded driver on the insurance policy.
    Answer Applies to: Michigan
    Replied: 7/11/2014
    Law Offices of George H. Shers | George H. Shers
    Probably not. She is allowed to occasionally lend the vehicle to a valid driver but are not such a driver. I doubt they would believe that she did not know you had no license and probably would say she had a duty to check before letting you drive the car.
    Answer Applies to: California
    Replied: 7/11/2014
    The Medler Law Firm LLC | John Medler
    This depends on your policy language, but if you were a permissive user of your daughter, the answer is probably yes.
    Answer Applies to: Missouri
    Replied: 7/11/2014
    James E. Hasser, Jr. P.C.
    James E. Hasser, Jr. P.C. | Jim Hasser
    Yes, you should be covered as long as you were a permissive driver and you were not specifically excluded from coverage.
    Answer Applies to: Alabama
    Replied: 7/11/2014
    Shalvoy Law, LLC | Walter A. Shalvoy Jr.
    The insurance follows the car regardless of who is driving.
    Answer Applies to: Connecticut
    Replied: 7/11/2014
    Paul Whitfield and Associates P.A.
    Paul Whitfield and Associates P.A. | Paul L. Whitfield
    Turn the matter over to the insurance co. if it occurred in NC the other driver will be said to have been guilty of contributory negligence and he will not be paid. Leave that up to the carrier. That is their business, not yours right now.
    Answer Applies to: North Carolina
    Replied: 7/11/2014
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