Additional interest on Auto Policy

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 3, 2011

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Insurance Question from Austin, TX

Asked on 11/03/2011

Additional interest on Auto Policy My ex agreed to pay insurance on a vehicle leased in my name for our minor daughter's use. He added the vehicle to his auto policy and I was named as an additional interest. Shortlly thereafter, he was killed in a car accident in another vehicle listed on his auto insurance. He did not specify a beneficiary for med pay or the death benefit. As an additional interest, am I entitled to the benefits so that the $$ does not go to his estate to pay outstanding debts and I can use the $$ for our daughter's education (she is a full time student)?

Answer given on November 04, 2011

While this may be a legal question rather than an insurance question the fact that you are an additional insured on the insurance policy does not automatically give you any entitlement to benefits of the policy.As additional insured you are protected under the liability portion of the insurance as respects the car you are listed on. The leasing company apparently accepted the policy with you shown as additional insured on the car you are leasing. Also, depending upon how you are listed you would be covered for physical damage to the car. However, since your car was not involved in the accident that killed your ex-husband you would not be eligible for benefits.You should talk to the agent or insurance company to confirm there is no benefit to you. You should also consider contacting an attorney to see if there is any way for you to apply for the benefits on behalf of your daughter.

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