El Motor
Conducir el coche de un amigo o un familiar: cuidado con la reacción de la comp…
Aunque la ley no exige que todos los conductores estén registrados en el contrato, las aseguradoras sí pueden establecer restricciones.
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Expert Reveals Crucial Car Insurance Facts for Young Drivers
Expert Clarifies Car Insurance Rules for Young Drivers in Spain Madrid, Spain – A recent online video featuring legal expert Fernando Expósito has shed light on a common dilemma faced by many parents: the scope of car insurance coverage when a child under 25, not listed on the policy, is driving and involved in an accident. Expósito, an attorney associated with the Escuela Nacional de Peritos, provided crucial clarifications on the legal implications. According to Expósito, the mandatory third-party liability insurance, a legal requirement for all vehicles, will indeed cover damages caused to other parties if an accident occurs, even if the driver is a child under 25 not explicitly declared in the policy. "The mandatory insurance has to pay for damages to third parties," Expósito stated. However, the situation becomes more nuanced when considering voluntary insurance coverages, such as comprehensive damage, legal defense, or personal injury. Expósito emphasized the critical importance of reviewing the specific terms and conditions of each individual policy. "We will have to see how the particular conditions of the policy are drafted," he advised. Some insurance companies include clauses that may exclude coverage for drivers under a certain age (e.g., 25) or those not specifically authorized in the policy. Expósito argued that if the particular conditions of the policy do not explicitly state such exclusions, then the insurance company should provide full coverage. "I am one of those who defend that they have to give me coverage exactly the same because the legal consequence of a minor driving is not specified as an exclusion," he explained. This expert advice underscores the necessity for policyholders to understand their contracts thoroughly to prevent potential disputes and financial burdens in the event of an incident involving young drivers.
