Few days ago, my youngest son, asked me to take his classmates home, so that it consented to lend him the vehicle, this is actually the case that along the way back to our House suffered an accident, where in actuality the as the driver of one other vehicle were both injured. To master immediately report to the insurance company and ask for the support of a legal adviser.For the full time of the signing of the policy, uninformed me of the existence of a clauseindicating a stipulation that is excluded from coverage under 25 people or less compared to 2 yrs of driving, which could use the vehicle experienced.Once you contact the legal counsel through a query, I request to send him the contract of this policy for your review, so that it became aware of the detail, explaining that this can be a unilateral decision that certain insurance companies make as regards clauses contained in the insurance policies required of circulation, that also being accepted by the policyholder of the same Sometimes they correspond to a significant and undeniable limitation on the rights of persons who claim their vehicles.This practice leads to a considerable increase of the premium to cancel by the policyholder, even when its limiting their rights.These drivers are considered most at risk, and its an incident with a third party, of proceeding of the insurance entities is to pay the injured party, however, subsequently claim the quantity paid to the policyholder.The really interesting, is that during the time of the appropriate legal counsel, and make consultation of lawyers in telephone manner, I acquired the response necessary and sufficient to be able to request the report on the clause in the policy and act accordingly, since to keep yourself updated that the Supreme Court in a ruling of 20 November 2014 has limited the exercise of the best of repetition of insurance companies to the assumptions legally provided for in article 10 of the Royal Decree 8/2004, of 29 October, whichapproves the revised text of regulations on civil liability and insurance in the circulationof motor vehicles, relating with this precept only collects the chance of Pact on repeat on the assumption that the automobile being driven by a person lacking a drivers license otherwise permitted the inclusion of a provision that excludes coverage to minors aged 25 or drivers with less connection with circulation, which translates struggling to repeat against the policyholder the amount indemnified to the affected alternative party while such circumstance was expressly collected in the particular conditions of the policy and would have been expressly accepted by it.But this, said exclusion Pact if it could deploy its effects beyond your scope of the compulsory insurance, allowing for the reason that case repeat the policyholder of the compensation taken care of damage caused to the insured vehicle.As you can see, be informed punctually, can avoid any number of disadvantages, including protects us from losses of money, this is important legal advice