Regardless if he received a ticket or not insurance will cover it. The only way they wont cover it would be if he was under the influence of alchol or drugs. Negligent : something a reasonable or prudent person wouldnt do or omitting to something a reasonable or prudent person would do. I know that doesnt mean much but the person entering into a higway must give way to other vehicles using the highway. I know it sucks. ← If youvé been booked with neg driving it give's the insurance company an out, I'vé just finished an 8 week offender's driving course and they had someone from the NRMA come out and give us a lecture. They clearly stated that once booked for neg/wreckless driving they can refuse a claim, don't belive me ring them. ← I stand corrected.. Thanks for the info