Is the owner of the vehicle liable to the unlicensed/minor driver?
And if so, does the auto policy's unlicensed driver exclusion preclude coverage under the owner's policy?
For example:
Auto owner gives a 12 year old permission to drive the owner's auto while owner is a passenger.
Auto owner knows that driver is 12 years old and unlicensed.
The 12 year old hits a tree and is severely injured. There is no third-party (other car) involved.
Who is liable for the 12 year-olds injuries?
What insurance policy will pay for the 12 year-olds injuries?
And if so, does the auto policy's unlicensed driver exclusion preclude coverage under the owner's policy?
For example:
Auto owner gives a 12 year old permission to drive the owner's auto while owner is a passenger.
Auto owner knows that driver is 12 years old and unlicensed.
The 12 year old hits a tree and is severely injured. There is no third-party (other car) involved.
Who is liable for the 12 year-olds injuries?
What insurance policy will pay for the 12 year-olds injuries?