My question involves an injury that occurred in the state of: New York
Obviously in New York, if you are under 18 and you pass the road test, you receive your junior's license if you have not taken driver's ed. I know many people who let their teens drive with a junior's license as if it is a senior license despite knowing this is illegal. My question is this: if a 17 year old were to be driving with a junior's license in a situation that was not covered by the junior's license, such as to school in the morning or home from school in the afternoon, and got in an accident or harmed someone in a way that the insurance had claims, would the claims be rejected entirely because the driver was not supposed to be driving? What would the consequences be? How would the charges be handled? For instance, worst case scenario, on the rare, rare chance that a pedestrian is somehow hit. Would the insurance deny the claim because the driver was technically driving illegally? If so, the next step would be for that person to sue the driver personally, as their insurance has rejected it, correct? Would the parents be held liable? Would it be possible for them to be forced to give up their house as an asset to make payments in this lawsuit? I'm wondering what the worst case scenario is and if it is likely to happen, really. What are the odds of the insurance company covering a junior driver's accident at a time when they were not legally supposed to be driving?
Sorry for all of the round about questions, I just want as much information on the topic as anyone has available. Thank you for any help anyone might be able to offer, I very much appreciate you taking the time to help!
Obviously in New York, if you are under 18 and you pass the road test, you receive your junior's license if you have not taken driver's ed. I know many people who let their teens drive with a junior's license as if it is a senior license despite knowing this is illegal. My question is this: if a 17 year old were to be driving with a junior's license in a situation that was not covered by the junior's license, such as to school in the morning or home from school in the afternoon, and got in an accident or harmed someone in a way that the insurance had claims, would the claims be rejected entirely because the driver was not supposed to be driving? What would the consequences be? How would the charges be handled? For instance, worst case scenario, on the rare, rare chance that a pedestrian is somehow hit. Would the insurance deny the claim because the driver was technically driving illegally? If so, the next step would be for that person to sue the driver personally, as their insurance has rejected it, correct? Would the parents be held liable? Would it be possible for them to be forced to give up their house as an asset to make payments in this lawsuit? I'm wondering what the worst case scenario is and if it is likely to happen, really. What are the odds of the insurance company covering a junior driver's accident at a time when they were not legally supposed to be driving?
Sorry for all of the round about questions, I just want as much information on the topic as anyone has available. Thank you for any help anyone might be able to offer, I very much appreciate you taking the time to help!
Auto Insurance: Insurance Coverage When Violating the Restrictions on a Junior License
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