Can you be protected by an auto insurance policy if you aren't listed on it?

My boyfriend got into a not-at-fault accident and his car is destroyed. The other driver's insurance policy will pay $15,000. This is less than what he owes on his loan and his insurance company won't allow him to submit a claim. They say it's because he isn't listed as a driver on the policy. Is this allowed?

Answer provided by
Emily Maracle
Answered on Apr 30, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“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. “

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