If you get into an accident with an unlicensed driver, the insurance company of the vehicle being driven by an unlicensed driver will refuse to pay their liability or property damage. If you have comprehensive-insurance cover, your insurance company will usually pay you out and claim the damages from the other driver.

Can I claim insurance if someone else was driving?

‘Permissive Drive’ rules are applicable in such instances. According to Indian motor tariff, anyone can drive your car under the permitted laws. Hence, don’t worry before lending your car to your friends or family members. You can make a claim with your motor insurance company even when your friend crashes the car.

Can a car insurance policy not cover an unlicensed driver?

An owner’s failure to list known authorized drivers in a policy may cause the insurer to deny coverage for auto accident claims, particularly if the person that caused the accident did not have a valid license. The final answer to whether a licensed or unlicensed driver is covered by insurance will always depend on policy language.

Can a car insurance policy cover an accident caused by someone else?

Your insurance will only cover an accident that someone else caused in your car if that person was already included on your insurance policy, or if you gave them explicit permission to drive. So what does that actually mean?

Do you have to have insurance if a relative is driving your car?

The instances in which your car became involved in the accident definitely matter. If the driver is a relative, then most likely your insurance will cover the accident. The driver also needs to have had your permission, otherwise your insurance will most likely deny the claim (unless the vehicle was stolen).

Who is liable if a friend causes a car accident?

If a car owner lends the car to a friend, and the friend causes an accident that injures somebody else, the car owner’s insurance acts as primary coverage for the injured person’s recoverable damages. The secondary liability coverage is the driver’s liability insurance.