Auto Insurance question...?
Question:
Answer:
That depends on your insurance provider. I have USAA, and they cover anyone who drives either of my cars with my permission. They also cover any car I drive, including rental cars and someone else's car that I drive with their permission. But not all insurance companies are like that. Call your insurance company and ask the question, but don't give the specifics yet. Just ask if your policy covers someone who is not specifically listed on your policy but is driving your car with your permission.
Depends on the exact wording of your insurance policy.
Your insurance will cover you for anyone that is driving your car with your permission (this includes your teenage neighbor).
Teens have to be covered under their own policies or their parents policies (if the teen does not have their own policy) becuase they are high risk drivers and get into more accidents than adults.
If you have a teen in your household driving your vehicles, then there is a higher chance of one of your vehicles being crashed. Therefore, the insurance co feels that you should pay a higher premium becuase there is a higher likelyhood that they will have to pay a claim.
Most likely not-under 18 year olds cannot enter a contract. Pre 18 year olds must be covered through parents contract 'cause pre 18 year olds cannot enter a contract. Insurance contracts can only be inforced if 18 and up adults commit to it. Your neighbor is not being truthful to his/her insurance carrier.Nevermind thier fallacy -deception 'cause the important thing here is that you fully understand the insurance contract that you entered unto(part of growing up). If the child lied to you to gain use of your car, then any damages have to be hashed out in small claims court against the parents.5k limit can put you in debt forever if 300k in total damages are proven.
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