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Auto Insurance Coverage
If a non-owner of an insured motor vehicle operates that vehicle on a daily basis but is not listed as an operator on the auto insurance policy, does that non-owner operator have auto insurance coverage in the case of an accident while operating that vehicle?
Asked on July 6, 2017 under Insurance Law, Arizona
Answers:
M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney
Answered 6 years ago | Contributor
If a driver who uses a vehicle on a daily basis is not listed on the auto insurance policy, then the insurance company will deny the claim. This is because the driver should have been named as an an authorized driver on the policy. Since they weren't, they are not covered. If they only occassionally drove your car, they would typically be covered since something called "permissive use" generally applies in this type of situation. Permissive use means that if you give another driver permission to take your car, then they will be covered by your insurer in the event of an accident.
S.L,. Member, California Bar / FreeAdvice Contributing Attorney
Answered 6 years ago | Contributor
If the driver not listed on the auto insurance policy is at fault in an accident, the vehicle owner's auto insurance will deny the claim from the other party because the insurance company will consider the at-fault driver to be an unauthorized driver since he/she is not included on the auto insurance policy.
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