No Insurance for Son.

[italygerman]

I was hit by a 17 year old in a parking lot. I filed a police report but no ticket was given because it was private property.
I have insurance and they will pay but I think the party at fault should pay. I called the insurance co. for the boy's father, and they said he was excluded from driving on the dad's policy. Can I do anything with that, what if all of us don't insure our kid's on our policy's?

[Ethel]

Are you in the UK?

If so, you don't need insurance to drive on private property as long as it is truly private property and not a supermarket car park, for example.

Was you hit, or was your car hit?

As I already said, nobody needs to be insured to drive on private property, so there is no reason for the 17 year old to be on his father's motor insurance.

[New Judge]

But you can still launch a civil action to recover the costs of repairs. The fact that the incident may have taken place on private property (where no compulsry insurance is needed) does not mean that the party at fault is not liable to pay for any damage caused.

[Ethel]

Would the action be against the 17 year old who probably has no assets and is technically a minor; or the parent who allowed him to drive?