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 Posted: Sat Feb 14, 2009 8:08 pm Post subject: HELP PLEASE |
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I have a question. Lets say my son is driving around, and has had his license for 3 months. He is driving with his 3 teenage friends, whos parents know that they are with the driver but don't mind. If the driver were to get in a wreck, who his parents be liable or would the insurance company be liable and to what extent?
pretty much what i am asking is if insurance companies cover your accidents when you break a secondary offense. |
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redsoxrc
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| Posted: Sat Feb 14, 2009 11:34 pm Post subject: |
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redsoxrc,
I read your post, then I read it again, and again....and again....and I still don't get what it is you are asking?
Your teenage son who just got his license 3 months ago is driving around with 3 friends in the car.
That sounds normal to me.
What is the so called secondary offense?
Did I miss something?
What was the primary offense?
If he wrecks the car and it's his fault he's liable. The insurance company is NEVER liable. They weren't driving.... your son was. They will pay your son's liability claim up to the limits in the policy and beyond that the bill will be his/yours to pay...that's Allstate's stand!
WARNING:
 If you click on my name below have your ear muffs close by! 
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GarySpicuzza
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| Posted: Sun Feb 15, 2009 2:13 am Post subject: |
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| Some states have a law that says no minors can ride in a car without an adult for the first six months that a driver is licensed. So the op (and the other parents) are knowingly breaking this law. |
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CascadeDave
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| Posted: Sun Feb 15, 2009 2:44 am Post subject: Hmm... |
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| Can you rephrase the question? |
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KenS
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| Posted: Sun Feb 15, 2009 10:34 am Post subject: |
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| Quote: | | Some states have a law that says no minors can ride in a car without an adult for the first six months that a driver is licensed. So the op (and the other parents) are knowingly breaking this law. |
 Really?
More useless "Nanny State" legislation. 
 When is the Gubment going to install flatulence meters on citizens so they can tax our methane emissions? 
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GarySpicuzza
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| Posted: Sun Feb 15, 2009 11:47 am Post subject: |
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| hmmmmmmm what are you really looking for?? Your son has a valid license & he is driving with his friend..so what is the exact problem?? can me please explain it in brief? |
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horizon
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| Posted: Mon Feb 16, 2009 2:43 am Post subject: |
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| You should list him as a driver to avoid issues. |
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CrazedEpidemic
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| Posted: Mon Feb 16, 2009 10:48 am Post subject: |
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| Quote: | | If the driver were to get in a wreck, who his parents be liable or would the insurance company be liable and to what extent? |
Being his parents you really can't avoid his liability if he's a part of your household..could you?
If you're gonna share his liability, then I guess its your insurance that would come to help! Again, the reimbursement would depend on the extent of the damages!
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anonymous00
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| Posted: Mon Feb 16, 2009 10:57 am Post subject: insurance |
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| Has anyone heard of a 'Junior License' ( I think it's called)? There are a few of my son's friends, who are 16 years old, but have some kind of 'restriction' on their DL that they can't drive at night. I've never heard of this. All I know is about a Permit ( can get when you're 15 ) and a DL ( can get when your 16). |
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sdchargersfan
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| Posted: Mon Feb 16, 2009 10:59 am Post subject: insurance |
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| Quote: | | Lets say my son is driving around, and has had his license for 3 months. |
I don't think i would want anyone else in the car ( besides me, of course) if my son is 'inexperienced' at driving. |
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sdchargersfan
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| Posted: Mon Feb 16, 2009 12:33 pm Post subject: |
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sdchargersfan wrote:
| Quote: | | Has anyone heard of a 'Junior License' ( I think it's called)? There are a few of my son's friends, who are 16 years old, but have some kind of 'restriction' on their DL that they can't drive at night. I've never heard of this. All I know is about a Permit ( can get when you're 15 ) and a DL ( can get when your 16). |
Its been a long time since I got my Pa. learners permit (1967) and surely a few changes have occurred, but back then IIRC one could apply for the Learners Permit a month or two before the age of 16 but had to wait until they were 16 before they could begin driving ( only when accompanied by any licensed driver). I think the permit was good for six months. Also one could take the written & road test on their 16 birthday and if they passed both they were issued a valid Junior Drivers License until they reached the age of 18. I think the only restriction was they could not drive between the hours of Midnight and Six AM.
Also there was a provision that if one had successfully completed a State Approved driver training course they could get a regular license at the age of Seventeen.
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FK
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| Posted: Mon Feb 16, 2009 5:52 pm Post subject: |
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Rephrase:
The driver has has his license for 3 months. Under Washington laws, no driver is allowed to have non-adults in their car for the first 6 months the driver has his license.
The drivers 6 months isn't up yet, but he choses to drive non-adults around anyway, which is a secondary offense. If he were to get in a wreck while driving, would the insurance company cover things, or would they not since the driver is breaking the law while driving around.
The question is does the insurance company cover wrecks and accidents when the driver is breaking a secondary offense while driving, or would they treat it like any other wreck
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rickrissss012
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| Posted: Tue Feb 17, 2009 1:02 am Post subject: |
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i dont think the parents are liable , but im not sure.
anyone else know?
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snoopdogg
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| Posted: Tue Feb 17, 2009 1:37 am Post subject: |
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| I think the parents would be liable if the child is under 18. |
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CrazedEpidemic
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| Posted: Tue Feb 17, 2009 9:30 am Post subject: |
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Hi rickrissss012,
I believe you have some answers within your questions!
If under the Washington laws there's a 6 months-restriction for the driver to carry non-adults, then I don't think there's a way out of this problem.
I guess the insurance companies issue policies that run in accordance with these state guidelines. So why should there be an exception in your case!
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roddick
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