If a friend without license hits someone in parking lot while pulling your truck out of the way will full coverage insurance pay for it?

Whether or not your full coverage insurance will pay for the damages depends on the specific terms and conditions of your insurance policy. In general, full coverage insurance typically includes liability coverage, which provides coverage for damages caused to others by the insured driver or any other authorized driver of the insured vehicle. However, there may be certain exclusions or limitations that may affect coverage in certain situations, such as when the driver is unlicensed.

Here are some factors that may be considered by your insurance company when determining coverage:

1. Permitted Drivers: Your insurance policy may specify who is considered an "authorized driver" or "permissive user" of the insured vehicle. If your friend was not an authorized driver under your policy, your insurance may not provide coverage for the damages.

2. Use of Vehicle: Your policy may also specify the permitted uses of the insured vehicle. If the accident occurred while your friend was using the truck for a purpose not covered by the policy, such as using it for commercial purposes or participating in a race, your insurance may not provide coverage.

3. Applicable Laws and Regulations: The insurance company will also consider the relevant laws and regulations regarding unlicensed drivers in your jurisdiction. In some cases, driving without a valid license may be considered a criminal offense, which could impact coverage under your insurance policy.

It's important to carefully review your insurance policy and understand its terms and conditions to determine the extent of coverage it provides in different scenarios. If you have any questions or concerns about coverage in a specific situation, it's best to contact your insurance company directly for clarification.