My teenage son allowed his friend to drive his car. His friend has a permit and drove my sons car alone. He wrecked and totaled the car and caused sever property damage. Am I responsible for the damages even though I did not know the permit driver was driving my sons car.
Your liability insurance will not pay for the property damage to your son's car. If he caused property damage to another's property, it should cover the damage, however, there could be coverage issues since the driver with the permit is not permitted to drive the car alone. If the driver used the car without permission, then there is likely no coverage. You should speak to an attorney to discuss the specific facts about this collision.
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Agree with Mike. You will need to review your policy language but very doubtful since you did not have collision coverage. It may be possible to recover from friend's insurance if friend was covered under a policy that would extend to him driving another vehicle. You would have to make a claim with his or his parents policy. Lesson learned - if you are going to let your son drive your car needs collision coverage unless you don't care about damage to it.
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