Quote:
Originally posted by Pathfinder
Two questions:
#1: Under the circumstances do you think her insurance will pay?
#2: Do you think a stolen vehicle charge will hold up against him?
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1) Since she explicitly asked the guy to be EXCLUDED from her insurance, there is no coverage for him. Normally, insurance covers anyone she lends her car to. But since she explicitly excluded him [people usually do this to lower their rates], he is not covered, therefore the accident is not covered.
2) According to common law in the US [state statutes may differ] larceny is the trespassory taking of another's property with the intent to deprive that person of the property permanently. Since the permanent deprivation is at issue -- he may claim he intended to return the car, he probably can fight the grand theft auto charge. However, most states have anti-"joyriding" statutes--they may be able to make this type of charge stick.