I live in the same house, it was my parents car i wrecked.. they have insurance but im not on it..?

Same as the last answer. - if you're not specifically excluded from coverage, then you're covered.

But expect big problems from the insurance company after this. Your parents violated the terms of their policy by not listing you as a driver. Anytime someone in the household has a license, the policy holder is required to add them to the policy.

So,they will either pay the claim and then demand your parents add you or they will pay it, and then cancel the policy.

Often hitting some one is ruled against the one who did the hitting. Point of impact can some times make the difference in how fault is defined.

If you were using the car with permission and/or were doing something for your parents then the car should be covered. Most states specify that a driver must be excluded from coverage. Meaning that unless documentation has been filed excluding you then the accident is covered. If such a letter is on file and your parents allowed you to drive then it could be ruled that a form of insurance fraud has taken place and or attempted.

This can get tricky depending on just how the policy is written. For example, I can borrow my Dad's car and go any where I want. However I know of a person who must be in the car as a passenger for that policy to cover an accident.

The bottom line is that more then likely the car and you are covered, unless there is something in the policy that specifically states otherwise.

with out understanding the place you're, it quite is confusing to respond to this question precisely. the place i'm, the learner's "enable" is a licence, this is basically a licence with lots of of regulations on it, the main crucial of it is which you're no longer able to tension and not utilising a very licenced (and sober) motive force with you in any respect circumstances. i could hence ought to tell my coverage company of anybody in my family individuals who has or has won a licence, as this could be a fabrics replace in risk. If I fail to try this, then it is seen a breach of contract (as I agreed to tell the insurer of all textile ameliorations as quickly as I utilized), hence the contract is voidable by potential of the injured social gathering, thus the insurer. this implies the insurer can % to void the contract from this is inception ought to they locate out, say by potential of there being a declare, or they could settle directly to maintain the possibility and could charge the greater top rate, if there is any. besides the undeniable fact that in the event that they locate out becasue there replaced into an twist of fate, i will assure you they're going to void the coverage, and the motive force AND the owner of the motor vehicle would be on the hook for all damages dependable, plus all of their damages which they do no longer look to be responsible for. the only component i will advise is to ask an coverage expert the place you're. undergo in recommendations in case you ask the broking provider/agent the place your mom is insured, that broking provider/agent is obligated to tell the insurer of the textile replace in risk.

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I live in the same house, it was my parents car i wrecked.. they have insurance but im not on it..?