My son crashed my leased car and he isn't on my insurance policy?

I lent my car to my son to drive around the block so he can test drive the car, unluckily someone took a stop sign and hit the car while he was driving. Luckily, he was safe and nothing happened to him but the car was pretty messed up.. it wasn't a total loss and the car still runs perfectly but the passenger

I lent my car to my son to drive around the block so he can test drive the car, unluckily someone took a stop sign and hit the car while he was driving. Luckily, he was safe and nothing happened to him but the car was pretty messed up.. it wasn't a total loss and the car still runs perfectly but the passenger door and the door behind it were destroyed and have to be replaced (literally just the doors) My insurance company is closed until monday and the driver who crashed my car was put at fault for taking the stop sign. Should i expect my insurance company to pay or am i going to have pay this myself? I got the car 5 days ago lol.. bad luck
The car has full coverage

Other answer:

king82:
Does your son live with you? If so I hope the other person was at fault. Your insurance will probably refuse to pay if not. That was a bad decision on your part letting him drive the car if he needs to be on your policy as a driver. If he has his own car and insurance then it would be covered . That's the way it is here in Texas. No idea where you live.
Entidtil:
USA answer;
Will your insurance company cover the accident? It depends on whether or not your son lives in your household. If he lives with you, your insurance company requires that they be notified as soon as he received his drivers license. If you notified them, they will almost certainly cover the accident. If you did not notify them when he received his license, depending on the state and the insurance company, they may refuse to honor the claim. HOWEVER ! In my state and with my insurance company, even if I did not notify them that my Son had a license, they are obligated, *BY LAW* to still honor the claim. Typically, when the latter occurs, they will cover the claim and then cancel me.
If your Son does NOT live in your household, then your company will cover the claim.

Regardless…….. file a claim with your insurance company and they will notify you if they won't cover the accident.

By the way. 2 things: Although the other driver in this case may very well be liable it is NOT automatically his fault for the accident just because he ran a stop sign and was cited. Liability determination is not based on traffic citations nor by the police but rather by the involved insurance companies based on the circumstances of the accident. Remember: Liability (fault) is **ONLY** determined by insurance companies.
2nd thing. There is no longer such a thing as "full coverage". That term is obsolete and should no longer be used.

AlCapone:
If the person who hit your car was at fault, their insurance will pay. However, go ahead and report it your own insurance company who will repair the car and then get reimbursement from the other insurance company.

What you did was pretty dumb. First, you violated your lease contract. Second, your own insurance could easily refuse to pay since you haven't added your son to your insurance policy. Third, if your son doesn't have a driver's license, you and he could face charges if HE had caused the accident.

efflandt:
If the other person was at fault, their insurance should pay for damages.

I bought a car early last fall and it still looked like new, but had 150,000 miles on it, so I did not get collision and comprehensive. Then on a dark rainy night last November traffic was backing up on the street I was on and suddenly a vehicle appeared in front of me making a left turn to a side street through a hole in the stopped traffic. In the end her insurance company paid for my damage.

The only stickler may be, if your son is not covered, your insurance may not help you. So if the other side balks, your son may need to hire his own legal assistance.

DR + Mrs Bears face:
Hi so wait and see what the lease company insurers say simple as that they might just go ahead and may even cancel your lease if they think it was your fault for letting him drive it.
J E T H R O:
Insurance company's don't close. Your local agent may of………All have a national hotlines to report accidents 24/7.
Heather:
Insurance covers the Vehicle, and Full Coverage includes Uninsured Motorist's. Also, the at fault driver and vehicle Insurance will cover losses.
Mr.357:
Sounds like the person that ran into your son was at fault and should make you whole. If your son lives with you and/or is younger and the other driver is not able to make you whole, you may have a problem collecting from your insurance co. If your son is older and "independent", you are probably good anyhow.
Linda:
insurance company's don't close… your local agent may of………………………all have a national hotlines to report accidents 24/7…
G:
Maybe you shouldn't have let him drive it dumb$hit.

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