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27Believe t1_iycrah5 wrote

Reply to comment by InteriorAttack in My 19yo nephew was at fault and uninsured in an auto accident. He received a bill for $54k from the opposing insurance company. by MyFreeAccount

How was he driving illegally if he had a valid license and the car was insured ? Insurance is on the vehicle, not the driver

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NoFilterNoLimits t1_iycwc2r wrote

This. When a friend wrecked my car, my insurance paid because I insured the car. It wasnt relevant to my insurance company that my sober friend was driving my drunk ass home

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MikeWPhilly t1_iycxs9a wrote

Yeah it sounds like the OP isn’t aware his family had no insurance not the kid.

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MyFreeAccount OP t1_iyd4o22 wrote

The car was insured... liability only.

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Any-Yoghurt9249 t1_iyd7zwz wrote

liability only is for damage you cause - so wouldn't this be covered? If he had moved it makes sense to take him off the policy, I believe you only need someone on the policy if they live with you and/or drive the vehicle at least occasionally.

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halifire t1_iydoy3a wrote

Auto insurance is very state-specific. I'm not familiar with CA's laws but in my state your insurance covers occasional use by parties not included in your policy. One exception to this is if the person who was driving lived in your home and was not added to the policy. If the nephew had a left the state then the policy might cover this accident but the insurance company might think that the nephew still lived with them thus denying the claim. At this point attorneys really need to get involved.

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