What happens when an unlicensed driver gets in an accident?

It’s important to understand that driving without a license doesn’t automatically make an accident with your friend’s fault. If another driver is responsible for the accident, his or her insurance should cover it. In the event your unlicensed friend causes an accident, your auto insurance can still cover the damages.

What happens when someone drives your car and is not on your insurance?

If someone is listed as an excluded driver on your policy, then they’re expressly excluded from your car insurance. This means that if that person drives your car, your insurance will not cover any damage that takes place.

What is unlicensed driving?

Unlicensed driving occurs when a person drives a motor vehicle in NSW without a license. This can include a person who was driving: Without having held any licence in the past five years (section 53(3)). Without holding the appropriate licence (section 53(1)).

Can a car owner be sued for another driver’s accident?

If you have been injured in a car accident, you can sue both the at-fault driver and titled owner of the vehicle that struck you. In many cases, the driver and owner will be the same person. However, when they are not, both can be held legally responsible for your car accident.

Can I let someone not on my insurance drive my car?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. This means even if your friend, sister or cousin have the best coverage possible, it would usually be your auto insurance that’d be covering the damages if they were at-fault in an accident while driving your vehicle.

Can I drive a car that is not insured by the owner?

The car you want to drive must be covered by an existing insurance policy and you must have permission to drive it. Driving other cars cover is usually only available on a comprehensive car insurance policy, so if you have third party (or third party, fire & theft) cover, you won’t be covered to drive any other cars.

Does car insurance cover someone else driving?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident.

Can I drive a car with the owner’s permission?

There’s no limit to how many people can drive the car, so any friends or family, who have your permission, are legally insured to drive it. This type of car insurance is far less common, as most people only have one, or a few, named drivers added to their existing policy.

What happens if I let my friend drive my car?

If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy. The claim would go on your insurance record and could affect your car insurance rates in the future.

How does insurance work if you drive someone elses car?

In general, insurance coverage for an insured driving someone else’s vehicle is the coverage he carries for his own vehicle. The driver’s personal coverage will apply in most cases when driving a vehicle he does not own. This includes any uninsured motorist coverage he carries and the medical portions of his policy.