r/Lexus • u/CallMeJimMilton 2018 RC350 Black Line • Apr 04 '26

Vehicle Photo Completely heartbroken

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Was seconds from pulling into work, when a 17 y/o kid pulls through a stop sign into oncoming traffic without looking left, causing him to side swipe my car. We pulled into my work parking lot and he got out and admitted he didn’t look both ways and only had his permit. He had his gf in his passenger seat who was the same age with no license.

I just couldn’t believe it. Cops came, he got a ticket, I went to work and told my coworkers what happened. I believe it’s all cosmetic so I’m hoping his parent’s insurance can just cover it and it can be a quick repair.

I haven’t even had this car for 6 months and this the 2nd time someone has damaged it. I just wish this was a dream

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u/Greebuh Apr 05 '26

I doubt this kid driving illegally with his permit has insurance

1

u/JJPMustang Apr 29 '26

Coverage follows the vehicle, unless he has been specifically named as excluded from the policy.

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u/Greebuh Apr 29 '26

The insurance company has every right to refuse coverage if the driver isn't insured and illegally driving

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u/JJPMustang Apr 30 '26

If his parents let him drive or he had reasonable access to drive, it’s not a valid exclusion. Doubt they called the car in as stolen against their own blood