Is my vehicle insured?

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Is my vehicle insured?

My daughter borrowed my truck to run an errand for me and had an accident. She is not listed in my auto policy as a driver. She was at fault. The insurance company is saying that there is no insurance coverage since she was not supposed to be driving. I feel at least my vehicle should be covered in this instance.

Asked on June 18, 2018 under Accident Law, California

Answers:

S.L,. Member, California Bar / FreeAdvice Contributing Attorney

Answered 3 years ago | Contributor

The insurance company is correct. Your daughter was an unauthorized driver because she was not included on your insurance policy. Therefore, the insurance  won't cover the accident. As the registered owner of the vehicle, you are liable for property damage or personal injury claims from the party not at fault in the accident.


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