December 21st, 2020| You might already know that you’re entitled to compensation when you’re injured by a negligent driver. You might even know that the payment you’ll receive often comes from the at-fault driver’s insurance company. But what do you do when the driver who hit you has just a permit and not a full license? It’s an important question because younger drivers are often the most dangerous, simply due to the fact that they have less experience, making them more likely to cause a car accident. Fortunately, the same rules largely apply to crashes involving a driver with a permit as those where at-fault drivers have a license. As you’ll learn below, the driver should be covered by an insurance policy—even if they only have a driver’s permit.
An Insurance Policy Is Likely Still Covering the AccidentEven when a driver has just a permit, it’s very likely an insurance policy is in place to protect them and anyone they hurt in an accident. That’s because California requires every driver to be covered by insurance. Teen drivers with permits are often covered by their parents’ auto insurance policies. The bare minimum insurance requirements in California are what’s known as 15/30/5 requirements. That means a policy must have:
- $15,000 per person for bodily injury coverage,
- $30,000 per accident for bodily injury coverage,
- and $5,000 for property damage coverage.