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Auto Insurance Claims/need help, car insurance claim

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Expert: Bennie719 - 8/3/2009


Question
My car was hit, and totaled. I only had liability.

the person that hit my car WAS at fault. They had liablilty, but the insurance and car was in his mom's name.

The insurance said they may not cover my loss because they said it(insurance) wasnt in his name. (the policy)

Can they do this? This sounds wrong to me.  I thought all that mattered was the car was insurared.

shouldnt i get my money, then if theres a problem, they sue him?

insurance was in oklahoma, accident in kansas.

thanks a million for any info.

Answer
Hi John,
If the son resides with the mother, she is required to add him as a driver to the policy
in order for him to have coverage.

If your claim is denied, your only option will be to sue the driver and the owner of the
car.

I hope this helps.  Your feedback by rating my response will be appreciated.

Bennie
San Francisco Bay Area

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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.

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