Car Insurance If you have full coverage and your daughter is an excluded driver and takes your car without your consent and wrecks your car will your insurance cover damages to your vehicle? By Penny Gusner Penny Gusner Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. | Posted on July 25, 2014 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. No. Your daughter is excluded from your car insurance policy, so your full coverage does not extend to her accident. If you were driving and wrecked your vehicle, your collision or comprehensive coverage would cover the incident depending upon how the accident occurred. You simply would pay your deductible and have your auto insurance provider pay the remaining due for the repair of your vehicle or its actual cash value if it were declared a total loss. When someone drives your vehicle who is listed under a named driver exclusion, then there’s no coverage whatsoever.. This is even if the excluded driver operates the vehicle in an emergency situation or takes your car without your knowledge. (See “Excluded really means you’re excluded”) A child taking your car without consent wouldn’t be considered theft, which your comprehensive coverage would normally cover. Instead, it would be considered unauthorized use, which makes it another reason the insurance company wouldn’t pay since coverage benefits only cover permissive users. When you exclude a driver on your policy, that individual isn’t rated on the policy, thus saving you money on your premium. In return, your car insurance company won’t extend coverage to that person if he or she drives your vehicle. In simple terms, you didn’t pay to have your daughter covered by insurance and so your insurer will not pay for the accident she was in with your vehicle. I suggest you lock up car keys if you have an excluded driver in your house, particularly a young one. And while you won’t be able to get your car insurance policy to pay for the damage to your car, you can seek compensation from the at-fault party — your daughter. Penny GusnerContributor  . .Penny is an expert on insurance procedures, rates, policies and claims. She has extensive knowledge of all major insurance lines -- auto, homeowners, life and health insurance. She has been answering consumers’ questions as an analyst for more than 15 years and has been featured in numerous major media outlets, including the Washington Post and Kiplinger’s. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? How much does car insurance cost for seniors? A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read actually understand your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes