What Happens if an Unlicensed Driver Crashes Your Car?

If an unlicensed driver crashes your car, your insurance company may deny your claim, you could face legal ramifications, and you may be liable for any damages the driver caused. These are serious problems, and not to be taken lightly.

Your consequences will depend on the situation, the severity of the accident, and your role in allowing the driver to use your vehicle. In some circumstances where you were unaware they had used your car, you may be entitled to compensation. 

It’s a difficult problem, but not hopeless. The advice of a Raleigh car accident lawyer is critical for understanding the law and your rights. Our team has over 120 years of combined experience with car accident cases. Contact us today for a free consultation.  

What Should I Do if an Unlicensed Driver Crashes My Car?

If your car has been in an accident while operated by an uninsured driver, it is smart to contact an attorney as soon as possible. A skilled lawyer will help you understand the best course of action for your specific case. 

Can I Legally Let an Unlicensed Person Drive My Car?

No. Knowingly allowing an unlicensed driver to operate your vehicle is illegal in North Carolina. This is a Class 3 misdemeanor, punishable by up to 20 days in jail and a $200 fine. In addition to legal charges, you can also face civil liability if the unlicensed driver causes damages.

Will My Car Insurance Cover an Unlicensed Driver?

Your insurance coverage usually extends to anyone you allow to drive your car. However, if that driver is unlicensed and you knew it, this could give your insurance company an opening to deny your claim. If that happens, consult with an attorney so you understand your choices. 

It is possible to have car insurance even if you don’t have a valid license. However, since your car was involved in the accident, the unlicensed driver’s auto insurance may not apply. 

What if the Unlicensed Driver wasn’t at Fault?

What happens if an unlicensed driver crashes your car, but they weren’t the one who caused the accident? While there still may be legal consequences for both you and the driver, you may be able to recover damages from the at-fault party’s insurance provider.

In complicated matters such as this, it is important to consult an attorney who understands the law and has experience with personal injury cases. 

What are the Consequences of Driving Without a License?

Driving without a license in North Carolina is a Class 3 misdemeanor, punishable by up to 20 days in jail and a $200 fine. If the unlicensed driver is your minor child, you could be held responsible via vicarious liability, even if you didn’t know they had taken your car. 

If the unlicensed driver lost their driving privileges due to driving under the influence, they could face serious additional charges. 

What if a Student Driver Crashes My Car?

If a driver who does not have a license but does have a learner’s permit crashes your car, you could be liable for damages since you allowed them to drive your vehicle. However, if they are included in your insurance policy, you should be able to rely on your coverage. 

Can You Sue an Unlicensed Driver Who Crashes Your Car?

Obviously, the negative consequences that can occur when an unlicensed driver crashes your car mean it is never smart to let an unlicensed person operate your vehicle. However, there could be situations where it happens without your knowledge.

For example, it is unlikely you will ask adult friends if they are licensed drivers, especially if you’ve seen them drive before. Even if you ask, they may lie to you to avoid embarrassment if they have lost their license due to a DUI or other driving offense. 

While this may help with legal ramifications, your insurance company still may refuse to cover your claim. An attorney may be able to negotiate on your behalf, but you may need to file a civil lawsuit to recover your damages. 

What if an Unlicensed Driver Steals and Crashes My Car?

Typically, insurance companies only cover the permissive use of your vehicle. Obviously, this wouldn’t apply to a car thief, so you may not be able to recover compensation for your damages through your auto insurance.

Since the thief is unlicensed, they may not have car insurance. Your only option for recovering damages to your vehicle may be to file a civil suit against the car thief. A skilled attorney can advise you of your best course of action.  

The thief will also face criminal charges, and your case may be an easy win. However, the defendant may not have the assets to settle your award. 

Get Help with Your Car Accident Case

What happens if an unlicensed driver crashes your car depends on the circumstances, your role, and the severity of the accident. You may be looking at expensive repairs, liability for another driver’s damages, and potential legal ramifications. 

If someone took your car without your permission, you could have grounds for a civil lawsuit against the driver or whoever allowed them to take your car. However, if that person is your minor child, you may face vicarious liability for their actions. 

At Whitley Law Firm, we’ve been standing up for personal injury victims since 1974. If you have sustained damages from a car accident, contact us for a free consultation and learn how we can help.