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Auto and insurance policy Not everyone who buys an auto insurance policy is a licensed driver. (Photo: iStock)

In many cases, especially with teenage drivers, the person buying a car and obtaining insurance coverage isn’t the person who will be driving the car. Do you need to have a license to buy coverage? According to an appellate court in California, in affirming a trial court’s decision, an auto insurer had no duty to determine whether an applicant for an insurance policy was a licensed driver before issuing the policy.

Steven A. Meyerowitz

PropertyCasualty360

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