Unlicensed Driver Insurance Claim

Summary

The users friend, who was unlicensed, had a minor accident in her car. The insurance company contacted her to report the accident. The user was unsure about her responsibilities and potential consequences. She was advised to contact her insurance company to report the accident and to be honest about the situation, including the fact that the driver was unlicensed. The user was also advised to review her insurance policy to understand the terms regarding unlicensed drivers. The user was informed that in Alabama, the owner of the vehicle is typically responsible for any accidents, regardless of who was driving.

Full Conversation

My friend had a small accident in my car and the ins company has contact me
What is the nature of the accident and what does the insurance company want from you?
Ilhe was Lea ing work in the park in lot bumped into the back of the other person car and the other person said that he dented his bumper and put a hole in his bumper but my friend said that he has pictures and that he couldn't put the hole in his bumper but I just found out that my friend does not have licence
What is the insurance company asking you to do? In Alabama, driving without a license is a misdemeanor, punishable by fine or jail time.
Report the accident but I was not in the car so I don't no what I should do
What is the name of your insurance company? In Alabama, the owner of the vehicle is typically responsible for any accidents, regardless of who was driving.
National general
What is the policy number of your insurance with National General? In Alabama, insurance companies usually cover damages even if the driver is unlicensed, but it depends on your policy terms.
I'm not sure I would have to call them can they drop me
Do you have a copy of your insurance policy? It's important to review it to understand the terms regarding unlicensed drivers. In Alabama, insurance companies can potentially drop you for this.
My son has it and he lives in Ohio but I have full coverage because I make payments Thur the bank
Can you ask your son to send you a copy of the insurance policy so you can review it? It's crucial to understand your coverage, especially regarding unlicensed drivers.
Yes should I get in touch with the company I didn't no he didn't have license
Yes, you should contact your insurance company to report the accident. It's important to be honest about the situation, including the fact that the driver was unlicensed.
They sent me a certify letter
What does the certified letter from the insurance company state?
Report the accident
What details does the insurance company want you to report about the accident? In Alabama, it's important to provide all the facts, including the driver's unlicensed status.
What happen when and where so they can investage
What is the date, time, and location of the accident?
Sept 6th this year they didn't call the police later the other person call the police and sent them to his job
What was the outcome when the police were called to his job?
They gave him a card to contact them
What information is on the card given by the police?
The attorney that the man has and phone number
What is the name and contact number of the attorney mentioned on the card?
He is at work but I can have him text it to me
That would be helpful. Please ask him to text you the attorney's name and contact number.
Okay how do I get back in touch with u
You can simply return to this chat whenever you have the information or any other questions. We're here */* to assist you.
Thank you I will get the imfortion and call back when he gets off if work do I need to talk to my insurance company yet
Yes, it's important to report the accident to your insurance company as soon as possible.
Okay I will call them can I get in trouble
What kind of trouble are you concerned about? In general, honesty with your insurance company is crucial. They may have penalties for unlicensed drivers, but it varies by policy.
He was driving my car without me
What is your concern about him driving your car without you?
I just found out that he does not have a license
What is your relationship with the person who was driving your car?
My friend
What is your friend's name and does he have any prior driving offenses?
He lost them for not paying a ticket out of state before I meet him
What state was the ticket issued in that your friend didn't pay? This could affect how Alabama handles the situation.
Missiour
What was the nature of the ticket your friend didn't pay in Missouri?
I'm not sure it wasn't a accident I believe it was a moving vollation
What was the specific moving violation your friend was ticketed for in Missouri?
I'm not sure but I will fine out should I known that before I call the insurance company
Yes, it would be helpful to know the specifics of your friend's previous violation before contacting the insurance company. This could potentially impact your case.
Okay I will
What is the name of the person who was involved in the accident with your friend's car?
General Information:
- In Alabama, the owner of the vehicle is typically held responsible for any accidents.
- Contact the nearest court for more details: Alabama Supreme Court, * Dexter Ave, Montgomery, AL *, USA. Phone: +* *-*-*.
I don't even know they work together
What is the name of the person your friend had an accident with? It's important to have this information when reporting the incident to your insurance company.
My friends nane is Donald Cain
What is the name of the other person involved in the accident with Donald Cain?
I don't know I wasn't there and didn't known that it happen for days later there was known damage to my car and he didn't tell me until I got the letter from my insurance company
I didn't known until I got the letter from my insurance company
What does the letter from your insurance company say?
Report the accident some one has out in a claim against Donald
What is the claim against Donald as stated in the letter from your insurance company?
Damages
What is the estimated cost of the damages as stated in the claim?
It didn't say
Could you please ask your friend, Donald, about the estimated cost of the damages?
But he told my friend * dollars
What is the name of the person who is claiming $* in damages?
I will find out
What is the name of the person claiming $* in damages from the accident involving your friend, Donald?
I don't known
Could you please ask Donald for the name of the person claiming the damages? It's important to have this information when reporting the incident to your insurance company.
Yes
What is the name of the person claiming damages from the accident involving your car?