“The other insurance company is only offering to pay $15,000 because that is what the other driver’s coverage limit is. In a situation like this, typically uninsured/underinsured motorist coverage or collision coverage on your own policy would cover this.
However, most car insurance carriers require that anyone who drives the vehicle be listed on the policy as a driver. While insurance does often follow the car, carriers can deny a claim if a household member, or full-time driver, is not listed on the policy or is excluded from coverage.
It’s extremely important to always list anyone who frequently drives the vehicle. Insurance carriers base their rate on this and it will ensure your vehicle is always protected, regardless of who is driving. “