Will Insurance Cover a Teenage Driver, Permit Only, Not Named on Parents' Policy

[hmong509]

My question involves insurance law for the state of: Washington

Here is the situation:
17 Year old with a drivers permit is driving without parent, gets into a car crash involving a parked car. This driver is not on the insurance coverage list, but is a child to the owner of the car.

Will insurance still cover this? and in what ways limited?
What arguments can be made for coverage?

What others steps can be taken at this point?

Thank You

[cyjeff]

The insurance company will claim that they have no responsibility to cover an unlicensed driver.

If you were in the car, they would cover YOU as the instructor to the boy.

If the boy was alone, you are out of pocket for the damages to both cars.

[tigerdog]

If the boy was alone, you are out of pocket for the damages to both cars.

Let me toss my 2 cents in here... If it was my kid... Assuming he didn't have parental permission to be driving, the "pocket" involved would be his... Even if it meant paying me small amounts over a long period of time... In fact, I'd probably be kicking him in said "pocket" with a very large boot!