Is my vehicle still covered

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 9, 2017

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Insurance Question from Corinth, TX

Asked on 11/09/2017

Is my vehicle still covered One of my vehicles, with liability & collision coverage was involved in a accident, the driver is not listed on policy and might be at fault. Will my insurance cover the accident and still fix my car

Answer given on November 11, 2017

If your car is being driven by a driver not listed on your insurance policy, they are usually covered if they cause an accident.  The only problem would be if you have a “named driver” policy that requires you to list all drivers.  This is usually specified in your insurance policy and your agent should have advised you if it were the case.

Otherwise, your insurance will pay for any damages or injuries to the other party at no deductible and will repair your car, less your deductible up to the actual cash value of your car.  Your insurance rates should not be affected by the accident since the other party is not on your policy, and presuming they are not a resident of your household.  Their insurance rates could be increased for causing the accident, but that would be an issue between them and their insurance policy and company.

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