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That depends on the specific wording of your policy. Some auto policies cover only drivers specifically named in the policy. Others cover immediate family members of the primary insured, and some even cover anyone the primary insured allows to operate the vehicle. The only way to be sure is to review the policy. Insurers can be tricky, though. If you think this accident should be covered under your policy, but your insurer is denying coverage, it can be a costly mistake to try to fight it alone. Bite the bullet and have competent counsel review your policy, so you can make a well-informed decision whether to pursue the battle or cut your losses. The Service Exchange is a good resource for this kind of question; we have a number of insurance and legal folks who enjoy helping out and are willing to take the time for a little back-and-forth.

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โˆ™ 2006-04-20 16:08:30
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Q: What happens if a member of your family is not listed on the policy and has an accident?
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