Quote:
Originally Posted by mikester
He's an uninsured motorist it seems. File against your own uninsured motorist coverage which isn't supposed to require a deductible or count against you and report him to the PD for driving without coverage.
|
Some clarification needed here.
Since the driver was not on the mother's policy, it is likely he was excluded from the liability portion of the policy which usually follows the driver and not the car. This rule can vary between jurisdictions and policy carriers. Apparently, the company that insured the jeep requires the driver to be named in order to cover liability incurred by a driver. However, that may be inaccurate if the driver has permissive use from the owner, but the policy needs to declare that. The policy details will answer the question, but as of now, the OP has gotten a "NO" on liability. Was the driver an uninsured motorist? Maybe. The devil is in the details.
Uninsured motorist coverage does not cover property damage
unless it is a specifically added option noted as Uninsured Motorist property damage insurance. Most policies don't have that and the OP would have to check his own policy to see if he has that option. Regular Uninsured Motorist coverage is for medical costs only, caused by an uninsured motorist.