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Auto Insurance Claims/Is my accident covered

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Expert: - 3/1/2010


Question
I was involved in an auto accident this morning where my son was driving and he was at fault.  I have not added him to my policy because he is very rarely a driver and lives with his mother not me.  I have full coverage because i am still paying on the car.  I was in the vehicle with him.  Is the accident normally covered.  Is the coverage on me or on my car?

Answer
Hi Gordon,

Since your son does not live with you he is not required to be listed on your policy. He is required to be listed on his mother's policy since he is a resident of her household.

Auto insurance follows the vehicle not the driver. So you can loan your vehicle to any licensed driver who does not live in your household and there will be coverage.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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