Unlicensed driver takes car without permission
by Jo Jo
My child took a car, registered and insured in my name without permission. They have a G1 license, which I believe may be expired due to not taking the driver's test within 2 years. They went on a 400 series highway and got in an accident. The car in front of them rear-ended the car in front of it, then they plowed into the back of the car in front of them. They were by themselves. The police gave them a ticket for driving with a G1 and not having a licensed driver in the car. Driving Without Permission QuestionHi Jo Jo, The insurer will find out about this whether you report the event or not. This is because the accident reports will show all drivers (and their insurers) involved and someone is sure to have made an insurance claim in this situation. Your son will definitely be considered at fault because he rear ended someone. Although we have "no fault insurance", someone is almost always deemed at fault. You can read more about that here: No fault insurance Ontario The claim will probably not be covered because the driver is unlicensed and therefore uninsurable. Unless it is covered as a theft, in which case the insurance company would likely ask if charges were pressed. Sorry the news is not good. You might as well call your insurer and get the news direct from them just to be sure (Seeing that they likely to know about the accident due to other claims and police reports) -- Ask another question at Ontario Auto Insurance Questions and Answers Or get Visit car insurance in Ontario Canada for more information. Note: Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind. This insurance information is general in nature and the policy wordings always take precedence. Make sure you review the "please read" page. |