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Auto Insurance Claims/Unlicensed driver driving my vehicle

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Expert: - 1/11/2011


Question
I just had a friend of mine get into an accident in my car. He is illegal and unlicensed. He was 100% at fault as he rear ended someone who was stopped at a red light. My auto insurance policy is with State Farm and i have full coverage. Wil my car or the other car involved be covered by my insurance. I cannot tell if I have an exclusion in my policy for unlicensed drivers.

Answer
Tony,
If you have collision coverage, I'm sure your own insurance will cover your cars damage. I don't know about the damage to the other car. I don't know about the illegal or unlicensed part. Read your policy. And look to see if your policy says anything about having permission to drive your car.

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Ron Cercone

Expertise

How to handle automobile total loss claims. I am the president of UClaim.com, which sells 29 different eBooks I have written on how to maximize various types of auto, home and business claims and how to get coverage on denied claims. You may view their tables of contents online. Also available are very specialized eBooks such as on EUO (Examination Under Oath) for example. Also available is an assortment of policy forms used by the most popular insurers. The eBooks have a money back guarantee and currently include personal consultation with Ron Cercone.

Experience

I have been adjusting insurance claims since 1980. 1980 to 1995 adjusting for many insurers (6 years as an independent adjuster with my own company). Currently working as a public adjuster in California, since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.

Organizations
CAPIA (California Association of Public Adjusters).

Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim.com .

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