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Unlisted Driver on Car Policy

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 08/30/2017

Q: What happens when a driver not on your  car policy gets into an accident with your car?

A: Well first, your car insurance company is going to want to know if they are a regular driver or a temporary driver. So be prepared for a lot of questions. If it was just someone borrowing your vehicle and was a one-time occurrence, nothing more will be said and they will usually drop the issue.

However, if this person regularly uses or borrows your vehicle they will require that you add them to your policy. If you refuse, they will either add the person without our permission or they will cancel your policy.

If the driver is your child, they will also require you to add them to your policy even if they don’t drive very often. This can include children that don’t normally live with you if the insurance company deems them high enough of a risk or consistent enough of a driver that they want them on the policy.

Any other family members or friends that live in the household will be required to be added to your policy or excluded from your policy, regardless if they have their own vehicle they normally drive or not. Now that they have been in an accident and your insurance company knows about them, they are considered a risk.


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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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