My sis just had an accident with my mum's car but she's not on the policy.Will the insurance company cover it?

Sam

My policy has a section called "uninsured motorists" and she would be covered under that section. Check for this in your mother's policy.

Since she is a licensed driver in the house where your mother lives, it will most likely affect her rates almost instantly, though.

Inquisitive1

If your mother put her on the policy as a household member the claim should be covered. As mentioned above, the policy will more than likely cancel.
In the state of Arkansas, if the person lives in the house, they should be on the policy. Reasonable permission to drive only works if the person does NOT live in the household. Most companies will refuse to pay the claim but some might go back to the day she was first licensed. Hypothetically, if your mother pays the rates she would have paid, that amount (the amount from the age your sister was legal to drive with her permit, until the time she was in the accident) the insurance company would cover the claim. If your sister and your mother have separate addresses, and your mother can prove your sister didn't live in the house, the accident should be covered. Good Luck.

FL_goldblackdancer

Billy S

Why should they, they are in buisness to make money not cover illegal claims

wilderone74

i'm thinking probably not.

the_wire_monkey

Maybe, she may have to sue her own insurance company if she has uninsured motorist coverage. How much damage? It may be better to fix this yourself and not report to insurance unless there was another vehicle at fault and then your sister is in trouble for driving without insurance.

~~VeSpArAdO~~

Probably not.

jerry

it might as some ins,co, have for uninsured people

kat

this is one question i asked my company. i was told that the only way it was covered is if the other person has permission to drive the car and did not live in the same house.

gu r

yes they should she is a liscensed driver driving car w your moms permission....if your next door neighbor borrows your car and has an accident same thing, but I wouldnt wait long to put her on policy.

jimmy M

actually, they will cover it most likely otherwise u get sued by the person u hit for damages and legal fees. otherwise in most cases w/ good auto insurance they will cover it, but you mom will have to pay a bundle on her next bill, not to mention an explanation

Freethrashing

If your mum gave her permission to drive the car, the insurance company will cover the lost.....When all else fails read your policy!

Tagg

Depends really...

My insurance company would have covered the damages, but would have gotten us on insurance fraud or something. I don't know what company you have, but State Farm already has you insured, you just have to register so you they can start charging you for it.

Chris

If she was driving with your mother's permission she will be covered.

Dave

As a licensed insurance agent I can tell you yes the insurance company has to cover the claim by law but in all likelyhood will send a cancellation notice giving you 60 days to obtain insurance through another carrier

Dave

Forget what everyone on here says, and ask the company themselves. They are the only ones who will be able to make a determination in the case. If you don't like their answer, take it to your Insurance Commisioner. Best of luck!

ajr5022

no they wont

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