My teenaged child took my car without permission and was involved in an accident. Will this be covered by my policy?

Whether or not the damages from the accident will be covered by your car insurance policy depends on several factors. Here are some things to consider:

• Review your policy: Check your car insurance policy to see what coverage you have. Depending on the policy you have purchased, you may have different levels of coverage for liability, collision, and comprehensive coverage. Liability coverage typically covers damages to others if your child causes an accident, while collision and comprehensive coverage typically cover damages to your own vehicle.
• Find out who was at fault: The question of whether or not your car insurance policy will cover the damages from the accident will largely depend on who was at fault for the accident. If your teen was at fault, the damages to the other driver's vehicle or property may be covered by your liability coverage, but the damages to your own vehicle may not be covered unless you have collision or comprehensive coverage. If the other driver was at fault, their insurance should cover the damages.
• Consider the terms of your policy: Check the terms of your policy to see if there are any specific exclusions or limitations that may apply to your situation. For example, some policies may not cover accidents that occur when someone who is not listed on the policy is driving the car.
• Contact your insurance provider: If you are unsure about what is covered under your policy or have any questions about the claims process, contact your insurance provider as soon as possible. They can provide you with more information and guide you through the claims process.
• Assess any potential consequences: While insurance can help cover the cost of damages, it's important to consider any potential consequences for your teen's actions. Depending on the severity of the accident and the laws in your area, your teen may face legal consequences, and their driving privileges may be affected. Additionally, your insurance rates may go up if your teen is found to be at fault for the accident.