Houston Car Accident Lawyer – Accident with a Learners Permit

Before you permit your teenager driver to get behind the wheel of your car, whether it’s for practice or they just obtained their license, the very first call you ought to make is to your insurance company.

In the state of Texas, anyone that has a license and drives a vehicle is required to get auto insurance. The compulsory minimum insurance coverage that any motorist must get is “liability insurance.” This is the type of coverage where an at-fault motorist pays for the injuries and the damages to the other drivers or parties. If you don’t have collision insurance on your car insurance coverage and therefore are at fault in an accident in Texas, your car repairs and any property damage will normally be your responsibility if you are found to be at fault for the crash.

Recognizing Vicarious Liability – Houston Car Accident Lawyer
If you loan someone your car, and they’re in an accident where they are responsible, they are typically covered by vicarious liability. “Vicarious liability” basically means that if you give someone permission to drive your car and that they cause a collision, you’re financially responsible. That may sound negative or harsh, but if you carry the mandatory liability insurance, then the insurance provider should typically pay for the crash.

There are stipulations: should you place exclusions on an auto insurance policy coverage policy, then you are required to include all of the individuals who might drive your car and live with you on this policy. Then anyone who drives must be named on the policy. If they are not named in your policy and if they are responsible for an accident in one of the vehicles the insurance provider reject covering the accident. Therefore, you will continue to be accountable and liable to vicarious liability, but it might fall on you personally to pay for the injuries and damages outside your insurance coverage.

If Your Teen Is Involved in an Accident
So if your teen gets behind the wheel regardless of whether they have their driver’s license or their permit — and even if you’re riding together, if they are accountable for an accident and you haven’t specifically added them for your automobile insurance plan, you may be in some serious financial trouble.

Before you let your child get behind the wheel of your car, whether it is for training by using their permit or they simply got their license, the first call which you need to make is for your insurance provider to inquire about their needs regarding drivers with a learning permit. If you do not, it might wind up being a devastating blow to your financing.

In the event that you or somebody in your household has been engaged in some Houston car accident due to the negligence of another driver, then it is ideal to talk with an experienced attorney before accepting a settlement offer by the insurance carrier. To make sure your legal rights are secure, give us a call 24/7 at (832) 458-1756 to get a FREE case evaluation.