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If you have full coverage can the insurance adjuster deny your claim if your 15 year old son took your car without permission and wrecked it?
Wiki User
∙ 9y ago
Coverage depends on a couple of things. What type of policy you purchased, and/or whether or not your son is an excluded driver on your policy.
Since your son is a household resident and therefore considered to have access to the keys, he is a legally defined permissive use driver even if without your knowledge, this situation can not legally be considered a theft.
Named driver policies only provide coverage to those named on the policy. There are no exceptions. The policy is cheaper but you can't just hand your keys out to anyone anymore no matter who they are. Limited Lines polices can be more affordable but coverage for unlisted divers is not provided under any circumstances.
If you have a standard form auto insurance policy and your son is not excluded, then you should have coverage even though your son took it without your knowledge. if this is the case, call them back and tell them you need the claim reviewed by a senior adjuster.
Answer
Depends. I think they may pay for it if you press charges against your son for theft.
Answer
Yes, obviously the young man would not have been a licensed driver and therefore not validly insured.
Answer
The law presumes (as do insurers) that parents of minor children are financially and legally responsible regardless of the act. The insure has no legal obligation to pay a claim under such circumstances.
Answer
A parent cannot request a minor child be charged with a criminal act as described as the child was in the custody of said parent and the parent is held directly responsible for the minor child's action regardless of the circumstances.
Wiki User
∙ 9y ago
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How can you get money for your car being used unauthorized and totaled?
In order to collect on your own insurance you should have reported the car stolen or at least filed a police report that the person who wrecked it took the car without your permission. That is a serious offense. If you don't have that type of coverage then you must sue the person who wrecked it.In order to collect on your own insurance you should have reported the car stolen or at least filed a police report that the person who wrecked it took the car without your permission. That is a serious offense. If you don't have that type of coverage then you must sue the person who wrecked it.In order to collect on your own insurance you should have reported the car stolen or at least filed a police report that the person who wrecked it took the car without your permission. That is a serious offense. If you don't have that type of coverage then you must sue the person who wrecked it.In order to collect on your own insurance you should have reported the car stolen or at least filed a police report that the person who wrecked it took the car without your permission. That is a serious offense. If you don't have that type of coverage then you must sue the person who wrecked it.
