Hello all, I'm hoping to get some answers to help lower my anxiety regarding a vehicle accident involving my car.
A few weeks ago, my 18 year old stepson was involved in a car accident while driving a car registered in my name. At the time he was delivering pizza for a local pizza Shoppe. The night of the accident, I immediately notified my insurance company to submit a claim. The car was an older car and I only had collision on it to cover damages done to the other vehicle. Long story short, my insurance company declined the coverage due to the fact that he was delivering pizza.
So what now?? What's going to happen? Will the other party's insurance company pay for her damaged vehicle? I will I get sued? Will my stepson get sued? This is horrible. Yes, shame on me for not knowing my policy inside out, but the fact is that I didn't know that he wouldn't be covered if he was in an accident while delivering pizza. I would never allowed him to use the car. He only did that job once in a blue moon anyway to help the owner who he is friends with and I never ever thought about if he was covered by insurance. UGH! Any suggestions will help. This feels like a bad dream. Even if it's bad news, I just want to know what to expect here. Thanks you.
A few weeks ago, my 18 year old stepson was involved in a car accident while driving a car registered in my name. At the time he was delivering pizza for a local pizza Shoppe. The night of the accident, I immediately notified my insurance company to submit a claim. The car was an older car and I only had collision on it to cover damages done to the other vehicle. Long story short, my insurance company declined the coverage due to the fact that he was delivering pizza.
So what now?? What's going to happen? Will the other party's insurance company pay for her damaged vehicle? I will I get sued? Will my stepson get sued? This is horrible. Yes, shame on me for not knowing my policy inside out, but the fact is that I didn't know that he wouldn't be covered if he was in an accident while delivering pizza. I would never allowed him to use the car. He only did that job once in a blue moon anyway to help the owner who he is friends with and I never ever thought about if he was covered by insurance. UGH! Any suggestions will help. This feels like a bad dream. Even if it's bad news, I just want to know what to expect here. Thanks you.