Reader’s Question:

My 16 year old teenage son gave the keys of my car to his 18 year old friend who got involved in an accident and crashed the car and was arrested. I am just worried if my comprehensive coverage insurance will pay for the damages to my vehicle?

Amelie

Anaheim, CA

If the 18 year old teenager was arrested then it is likely that he was doing something illegally. Some insurance providers will not cover a loss such if your car was used without your permission. You also said that you have comprehensive coverage which is a broad physical damage coverage which should covers all property damages except collision and those perils or property which are specifically excluded. If you also do not have collision coverage then the damages to your car may not be covered. I would recommend that you contact your insurance company as soon as possible to determine if you are covered for this damages.