Auto Insurance Coverage
Get Legal Help Today
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Auto Insurance Coverage
If a non-owner of an insured motor vehicle operates that vehicle on a daily basis but is not listed as an operator on the auto insurance policy, does that non-owner operator have auto insurance coverage in the case of an accident while operating that vehicle?
Asked on July 6, 2017 under Insurance Law, Arizona
Answers:
M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney
Answered 7 years ago | Contributor
If a driver who uses a vehicle on a daily basis is not listed on the auto insurance policy, then the insurance company will deny the claim. This is because the driver should have been named as an an authorized driver on the policy. Since they weren't, they are not covered. If they only occassionally drove your car, they would typically be covered since something called "permissive use" generally applies in this type of situation. Permissive use means that if you give another driver permission to take your car, then they will be covered by your insurer in the event of an accident.
S.L,. Member, California Bar / FreeAdvice Contributing Attorney
Answered 7 years ago | Contributor
If the driver not listed on the auto insurance policy is at fault in an accident, the vehicle owner's auto insurance will deny the claim from the other party because the insurance company will consider the at-fault driver to be an unauthorized driver since he/she is not included on the auto insurance policy.
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.