About Bennie719 Expertise I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.
Experience Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license.
I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.
Question I let my son borrow my car one night to drive to practice. He was in an accident, and both parties were not cited. The police said they could not determine who was at fault. However, he is not listed as a driver on my policy. Should the insurance company cover my claim. We reside in California. I have full coverage on the car. The company called and told me one day it will be covered then called the next day to inform me they need more time to investigate.
Answer Hi Elma,
Legally, any insurance company in California can deny coverage
for an accident caused by any resident of your household who
is not a named driver on the policy.
You have an obligation to your insurance company to inform them
of every licensed driver in your household.
Since you and your son will not be able to file proof of insurance
as required by California Law, each of you will be subject to fines and/or the loss of your drivers license.
If your son is NOT a legal resident of your household and only occasionally drives your car, this claim will be covered after
the insurance company completes it's investigation.
