Auto Insurance Claims/insurance

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Expert: - 2/12/2008


Question
my 18 year old son hit a guy in my truck and is not on my insurance what is going to happen

Answer
Hi Kim

Well, it depends.

You need to look at your policy and see what is included and what is excluded. If he is not listed on the policy, is he excluded. Or the policy restricts coverage to only the people listed. It is very hard to tell.

Most auto policy have an omnibus clause. This is a clause that covers everyone "using the vehicle" as long as they have permission and that they are not excluded. It is probable that this clause in in your policy, in which case, there would be coverage. Again, this is completely dependent on the auto policy.

Auto Insurance Claims

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Anne

Expertise

Auto insurance claims regarding vehicle accidents, insurance coverages, auto policies, bodily injury claims, pain and suffering, injury settlements and negotiations.

Experience

I am an adjuster for injury claims and property damage claims for over 5 years (still working there). I have worked for personal injury attorneys helping consumers get a fair treatment and I am passionate to help others with their vehicle accidents.

Education/Credentials
B.A. Economics/ Political Science

Awards and Honors
I was the top settling claims adjuster at the Insurance Company that I worked for.
I am the co writer of http://www.auto-insurance-claim-advice.com a website dedicated to help consumers document their auto claims and navigate the complex claim process.

Past/Present Clients
I work with injury lawyers working on high dollar settlements and jury awards for pain and suffering see: Spokane Law Office.

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