Every week we’ll highlight a question sent to our resident insurance expert, Anne Marie Thomas. This week’s question comes from Bushra who is asking if a person’s auto insurance will cover the damages caused by a G1 driver who got into an accident while operating the vehicle alone.
“If a G1 driver gets into an accident while driving alone will the car’s owner be eligible to submit an insurance claim?”
This is a tricky situation, explains Anne Marie, because of Ontario’s G1 licence requirements and restrictions.
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“One of the restrictions of Ontario’s graduated licensing program for G1 drivers is that they must not drive unsupervised. At all times they’re supposed to have a person in the front passenger seat who has been driving for a minimum of four years and holds a valid full G licence (or higher),” Anne Marie says.
“Since the car’s owner allowed a G1 licensed person to drive their vehicle without the required accompanying driver, it’s unlikely the insurer would approve the resulting claim for the damages caused by the collision.”
- Related Question: What Happens When a G2 Licensed Driver Lets a Person with a G1 Licence Drive Their Vehicle and They Get into an Accident?
- Related Question: Can a G1 Licensed Person Drive Long Distances?
To learn more about what a G1 licensed driver can, and cannot, do visit the Ontario Ministry of Transportation.