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Sometimes it all depends on what state your in and who the insurance provider is. I know people to have gotten in accidants in others peoples cars when they were not listed as a carrier, and insurance still paid for it.

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18y ago
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Q: If you are involved in a hit and run in your wifes car you are excluded on her policy and you forgot to add her car to your policy- Will your insurer pay for the damages?
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