Car was Borrowed and Got into an Accident – What Happens Next?
Reader’s Question:
If an individual without a driver’s license operates someone else’s car and is involved in an accident, will the owner’s auto insurance cover the accident? Will it matter whether or not she had the owner’s permission to drive the car in San Antonio, TX?
Dan
San Antonio, TX
Whether the vehicle owner’s insurance will cover an accident when the car was driven by an individual without a valid driver’s license will depend upon the terms of the owner’s auto insurance policy and any exclusions the auto insurance policy may have written into it.
Generally an insurance provider will cover those that you permit to use a car. So normally if a friend borrows your vehicle your car insurance follows the vehicle and extends to any accident the driver may have while using your automobile.
Some car insurance policies though exclude from accepting car insurance claims for drivers that are driving the vehicle without a valid license. Some insurers may permit the auto insurance claim to go through but this incident claim would likely increase the owner’s car insurance rate premiums since it is more of a risk to an insurance carrier that an insured permits their cars to be driven by unlicensed motorists.
It does matter if a an individual has permission to drive the car or not. One of the prerequisites to an insurance carrier accepting a car insurance claim is that the driver of the car had permission to drive it. If somebody unknowingly takes your car without your permission then most likely an insurance carrier will not accept the car insurance claims.
You should check with your auto insurance carrier in San Antonio, TX to find out if they will accept car insurance claims arising from this accident or not.
Will Written Warning Effect My Car Insurance Rate?
Reader’s Question:
I recent got a written warning in San Antonio Texas. Will my auto insurance rates increase because of this?
Gina
San Antonio, TX
I understand that if you pay the fine then you are admitting that you are guilty to this charge. You can pay the fine and admit guilt, however you will not have to pay more for car insurance. If this is your 1st ticket since it is considered a ‘minor infraction and most insurance carriers do not charge for it. Plus, it may be that all you have to do is avoid having to pay a fine and present your license. It is possible that it was just a warning in which case the same would apply. If you do not wish to do this, then you have other options.
You may also choose to fight this ticket in court and if you are win then the infraction will not appear on your driving record and you will not have to pay a higher insurance rate.
You can also consider choosing to complete a driver improvement course in San Antonio TX.
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