Submitted by Anonymous on Sat, 12/05/2009 - 08:41
I was hurt in an accident with another car driven by a teenager. I think he's from a fairly well off family and his parents probably had insurance on the car. So is the kid and my personal injury covered by their automobile liability insurance?
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Editor's Response
Almost certainly. Typically the liability insurance would be issued in the name of one or both parents (the named insured). Coverage will extend to relatives living in the house with the name insured (related by marriage, blood, or adoption). Even if the child was not living with the parent who owns the car, if the parents are divorced for example, coverage will extend to anyone who drives the vehicle with the permission of the named insured. If he was not living with the parent and took the car without the parent's permission, then there may be an issue. Good luck, and I hope your injury is better. For more information or to post a question, visit our MA Personal Injury Discussion Forum.
Settlement
As long as the boy was an authorized agent of the car owner, there should be no problems; meaning that if the owners gave him consent you should be paid a settlement from the owners policy. Even if the kid's insurance denies the claim, you will still have means to collect under your uninsured portion of your insurance policy which takes effect when someone hits you who doesn't have insurance or their insurance denies the claim.