Our insured's fourteen-year-old, unlicensed son is given permission by his friend to drive that friend's vehicle.  While operating the friend's vehicle, the boy rear-ends another vehicle. The friend's vehicle's insurance expired before this accident so there is no coverage under the friend's vehicle's policy.

Would liability and physical damage coverage be available under our insured's personal auto policy for the damage to the friend's vehicle and the vehicle with rear-end damage? 

Kentucky Subscriber

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