Son drove my car with no insurance and no permission

[elcorazon]

What is the name of your state? Colorado
My 20 year old son took my car without permission and wrecked it today. I have no coverage on it because I do not drive it. I work from home and take the bus when needed. It stays parked on my private property everyday because it has alot of electrical problems. He does however have insurance on his vehicle but it is only liability. I want to know if his insurance will cover the damage he has done to my car. The bummer is I just had over $500 in repairs done so I could drive it soon with insurance on it. HELP

 

[racer72]

What is the name of your state? Colorado
He does however have insurance on his vehicle but it is only liability. I want to know if his insurance will cover the damage he has done to my car.

What did his insurance company say when you called and asked?

 

[elcorazon]

He hasn't called them yet, he's too busy fishing!! He does however have liability with property damage.

 

[stephenk]

For coverage on the car you will need to lie and say you gave your son permission to drive the car. Your state's DMV may then get you in trouble for having an uninsured vehicle.

 

[racer72]

He hasn't called them yet, he's too busy fishing!! He does however have liability with property damage.

Read my first post again. No where did I mention your son.

What did his insurance company say when you called and asked?

 

[moburkes]

For coverage on the car you will need to lie and say you gave your son permission to drive the car. Your state's DMV may then get you in trouble for having an uninsured vehicle.

Don't tell her to lie. In this case, it won't matter, since she doesn't have insurance. The permissive use is when her insurance company would be responsible.

I don't think his insurance will cover the damage to her vehicle. Not sure. Never had this happen, so I haven't looked into it. I'm too lazy to go down stairs and look at my insurance policy to see what it says about liability when driving another person's vehicle.

 

[AHA]

The 20 year old ADULT son needs to get his @ss kicked into gear for a change, and start acting like the adult he is!!!!!!

 

[elcorazon]

I agree. He took the ADULT responsibilty to take the car when I told him not to. He is still in the mountains fishing or with his friends. And has done nothing to fix this problem. As far as my state goes, I didn't give him permission to take it, he got a ticket not me. Why even bother insuring it now after I have spent a ton of money to restore the vehicle and now it is totaled.

 

[runway123]

Plain and simple, your matters are not the top priority in his life. I would have taken it upon myself to call his insurance company if he was dragging his butt.

 

[cissycicle]

If the vehicle was not insured, would that mean the license plate was not valid? What was the ticket for, driving an uninsured vehicle?

 

[AHA]

I agree. He took the ADULT responsibilty to take the car when I told him not to. He is still in the mountains fishing or with his friends. And has done nothing to fix this problem. As far as my state goes, I didn't give him permission to take it, he got a ticket not me. Why even bother insuring it now after I have spent a ton of money to restore the vehicle and now it is totaled.

One wonders how he got that irresponsible and disrespectful, but nevermind.

 

[elcorazon]

The plates are good. I didn't raise him. His Father in Louisiana did. He is out here in Colorado visiting. Still not back yet and his plane leaves tomorrow. Perhaps file a theft charge on him??