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, 2014I 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.
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
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
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
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