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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?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.
“
View full answer
- Gregory R.
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