What if a driver with a learner's permit has an accident who is responsible for damages and injuries?

Depending on how old your niece is, she may be exclsively at fault. Did you have your own insurance of full coverage? If so, and she is less than 18 or 21 years they should pay the claim unless of course you concealed her from the insurance company.

Under no circumstances will any insurance company cover any driver less than 18 who is not SPECIFICALLY LISTED with the bonus rate increase.

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