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My granddaughter took my car without my knowledge when I was on vacation. She has no license. She rolled my car and there is extensive damage, no other property damage was involved. Does my insurance cover her if I purchased Uninsured Motorist?

Your insurance policy may cover the damaged to your vehicle if you have collision coverage but not under your uninsured motorist coverage.

You will need to find out from your insurance company if they will cover the car under the terms of your policy since she took it without permission, thus unauthorized use of the vehicle. Normally for an insurance company to pay on a claim, permission for the driver to operate the car must have been given.

There is also the issue for her being unlicensed. Your policy may have exclusions that would allow them to deny a claim for the damages your granddaughter caused due to the fact she was driving without a license.

So there is a chance that your collision coverage may extend to your granddaughter and cover the extensive damage to your vehicle however your uninsured motorist coverage would not cover this incident. First most uninsured motorist (UIM) coverages are for bodily injury and not property damage. Even if your UIM coverage did include coverages for property damage it would be there to cover you when your car is damaged due to an uninsured motorist hitting your vehicle, not an uninsured motorist driving your vehicle. 

If your insurance provider denies your claim then you may need to seek legal counsel on if you can hold your granddaughter, or her parents, liable for her actions which included rolling your vehicle and causing the extensive damages which need repaired.

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car insurance commentsvery understandable answers (english) thanks
Question Details
This car insurance question was asked on 3/24/2008
This auto insurance answer was last updated on 3/26/2008
Ed requested this car insurance solution.
Rated 10 out of 10 based on 1 vote.
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