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New Member
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Jul 17, 2012, 07:29 AM
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Do I have car insurance if my son was at fault
My 22 year old son was recently driving my car (he does not live at home) and had an accident. He was charged with dangerous driving and was still a novice driver (G2). He had some alcohol in his blood, and isn't allowed any as a G2 driver, so was charged with that too. Will my insurance company cover any of the damages?
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Uber Member
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Jul 17, 2012, 07:37 AM
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Originally Posted by purplelegs
My 22 year old son was recently driving my car (he does not live at home) and had an accident. He was charged with dangerous driving and was still a novice driver (G2). He had some alchol in his blood, and isn't allowed any as a G2 driver, so was charged with that too. Will my insurance company cover any of the damages?
Depends on your company - I am seeing companies denying claims when an underage driver who is not listed on the policy was the driving and/or when alcohol was involved.
Did he take the car without your knowledge?
What was his blood level?
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New Member
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Jul 17, 2012, 08:20 AM
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Having trouble replying
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New Member
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Jul 17, 2012, 08:23 AM
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Originally Posted by purplelegs
having trouble replying
Company is Intact. I lent him my car. Alcohol was 107mg of 100 ml of blood.
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Expert
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Jul 17, 2012, 08:30 AM
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I would say more than likely they will try to deny, you will just have to make the c, laim and see. If they do pay you can expect to be cancelled.
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New Member
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Jul 17, 2012, 08:34 AM
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Originally Posted by Fr_Chuck
I would say more than likely they will try to deny, you will just have to make the c, laim and see. if they do pay you can expect to be cancelled.
You mean they will cancel my ability to get insurance? Then, I'll have to go to a high risk company? If so, then maybe I'll take my $12,000 loss.
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Jobs & Parenting Expert
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Jul 17, 2012, 08:36 AM
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When you lent him your car, did you know he had been drinking?
Was anyone hurt or was there property damage besides your car?
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New Member
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Jul 17, 2012, 08:46 AM
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Originally Posted by Wondergirl
When you lent him your car, did you know he had been drinking?
Was anyone hurt or was there property damage besides your car?
No, of course I wouldn't lend him my car if I knew he was drinking. I lent it to him earlier that day. No one else was involved in the accident. No one was hurt. The guard rail on the highway was damaged.
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Uber Member
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Jul 17, 2012, 08:49 AM
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Originally Posted by purplelegs
No, of course I wouldn't lend him my car if I knew he was drinking. I lent it to him earlier that day. No one else was involved in the accident. No one was hurt. The guard rail on the highway was damaged.
I wouldn't say "of course" so quickly - you would be amazed at the people other people lend cars to.
Is he specifically listed on the policy? Is there a specific statement about who drives, the ages, the experience, the level of the license? Was he ticketed for the alcohol?
If you submit the claim it's either going to be approved or denied. Either way I think you're going to be in a risk pool because he's under 25, had a lower level license, was intoxicated.
Not that it matters but Intact writes only in Canada so I'm guessing that's your residence?
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New Member
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Jul 17, 2012, 10:10 AM
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He was not listed on my policy as he doesn't live at home anymore. I removed him when he moved out a year ago so I wouldn't have to pay for him. He's only driven my car a few times during this year. I figured he'd be covered the same as any other person borrowing my car. But it looks like I won't be covered and don't want to tell insurance company so I don't get penalized. He certainly will NOT be using my car in the future. Yes we are in Canada.
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Uber Member
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Jul 17, 2012, 10:13 AM
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Originally Posted by purplelegs
He was not listed on my policy as he doesn't live at home anymore. I removed him when he moved out a year ago so I wouldn't have to pay for him. He's only driven my car a few times during this year. I figured he'd be covered the same as any other person borrowing my car. But it looks like I won't be covered and don't want to tell insurance company so I don't get penalized. He certainly will NOT be using my car in the future. Yes we are in Canada.
Well, you have two choices. It sounds like he wasn't covered.
You can turn the claim in or not turn the claim in. It's impossible to know 100% what the company will do.
They might pay it and then drop (or surcharge) you. They might disallow. Impossible to say.
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Expert
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Jul 17, 2012, 11:30 AM
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I would expect that your son would be covered by your policy, since auto policies cover people whom you loan the car to. It would be an issue if he lived at home and you failed to list him on the policy, or if he was a regular user of the car, but that's not the case here. So as others have said - report the accident to your carrier and see what they say.
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Uber Member
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Jul 17, 2012, 11:42 AM
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Originally Posted by ebaines
I would expect that your son would be covered by your policy, since auto policies cover people whom you loan the car to. It would be an issue if he lived at home and you failed to list him on the policy, or if he was a regular user of the car, but that's not the case here. So as others have said - report the accident to your carrier and see what they say.
Note that this is Canada, a novice driver. That's the same as a 16-year old in the household with a learner permit and not listing that person.
My policy specifically states that underage or permit drivers are not covered,
This was not an adult experienced driver.
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Computer Expert and Renaissance Man
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Jul 17, 2012, 01:04 PM
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While they can cancel your policy (though unlikely if you have a good record), they are not likely to be able to prevent you from getting other insurance.
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New Member
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Jul 17, 2012, 01:28 PM
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Thanks everyone for your input into my problem. I still do not want to call my insurance company for fear that just my call of telling them about the accident and then deciding not to put in a claim if my broker says I'm not covered, I will still be penalized with higher rates. I have a long history with our broker, but only a few years with the actual company.
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Jobs & Parenting Expert
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Jul 17, 2012, 01:31 PM
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And when someone in the other car says he/she is experiencing headaches and neck aches and is pursuing medical care that they want you to pay for? Then what will you do?
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Uber Member
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Jul 17, 2012, 01:42 PM
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Originally Posted by Wondergirl
And when someone in the other car says he/she is experiencing headaches and neck aches and is pursuing medical care that they want you to pay for? Then what will you do?
Oh, right - or HE has medical problems.
Somewhere there's a dollar figure. What does that represent?
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New Member
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Jul 17, 2012, 02:17 PM
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Originally Posted by JudyKayTee
Oh, right - or HE has medical problems.
Somewhere there's a dollar figure. What does that represent?
No one else was involved. We have provincial health care coverage for our son. Yes, it's the dollar figure I cannot wrap my head around. Car loss is around $12-14,000.
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Uber Member
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Jul 17, 2012, 02:28 PM
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Originally Posted by purplelegs
No one else was involved. We have provincial health care coverage for our son. Yes, it's the dollar figure I cannot wrap my head around. Car loss is around $12-14,000.
- Plus damage to the pole or railing, as I recall?
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Computer Expert and Renaissance Man
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Jul 17, 2012, 04:59 PM
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So let me ask this. How much is your insurance? Maybe $1000/yr? So your rates are raised 20% (and that would be high). That would means it would take SIXTY years for the savings to compensate you for your loss!
Frankly my friend, you are being VERY foolish. Put in the claim.
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