Auto Insurance Claims Des Plaines Illinois IL
Reader’s Question:
I own 2 cars in Des Plaines. One car had full coverage, the other car had comprehensive. I was planning on giving the car with comprehensive to my daughter. She was planning on taking her drivers license exam with that vehicle. One night she got drove that vehicle and got into an accident and was charged for driving without a drivers license and for not reporting the incident immediately after. What will happen now? Will my insurance company in Des Plaines, IL cover the damage to that car?
Hill
Des Plaines, IL
Most insurance carriers in Des Plaines, IL require that you disclose all household members on your car insurance policy. You may also have the option to exclude them. So, choosing to sign a waiver stating that they will not operate your covered car(s) in exchange for not having to pay a higher auto insurance rate. Some insurance providers do not automatically cover young motorists who get a learning permit. It is possible that your insurance carrier was unaware of your daughter’s driving status or you may have signed an exclusion for her. Additionally, damages to your car would not be covered unless you also have collision coverage. This accident would not be considered a comprehensive insurance claim. You always have the option of getting legal advise if you are not satisfied with their decision to not pay your car insurance claim.