Auto ins coverage if I am excluded on my fathers 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: Oct 24, 2012

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Insurance Question from El Paso, TX

Asked on 10/24/2012

Auto ins coverage if I am excluded on my fathers auto policy My parents have different auto policies. I'm currently insured under my moms. However my dad has a jeep and in order for him to get a cheaper policy he excluded me and my brother, Now I was in an accident and my truck was total and left without a car. Since I still have coverage under my moms insurance can I drive my dad's jeep and will my insurance cover his vehicle if i was to get into an accident?

Answer given on October 25, 2012

In auto insurance, the insurance follows the car. The problem in your situation is that you are excluded under your father’s car. If you drive your father’s car, there will be no coverage for that car if you have an accident.If you were to drive your mother’s car, she would have coverage for an accident since you are not excluded. However, if the insurance company finds out that you don’t have other insurance, since your car was totaled and you no longer have your own insurance, they may exclude you from her policy. You didn’t say if you are listed as a driver under her policy. If you are, then there probably won’t be a problem. However, your mom should add you as a driver to her insurance just to be safe.

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