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UPDATED: Nov 28, 2016
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Insurance Question from Freeport, MN
Asked on 11/28/2016
Claim question If I as an owner allowed someone else to drive my car with me in it and got into an accident, will my insurance still cover the accident if I don't know the drivers last name?They were picked up by someone else and I can't get a hold of who they were and don't know how to find out.
Answer given on December 27, 2016
It is questionable that you would allow someone to drive your car, even with you in it, if you do not know their name. Having said that, if your insurance company does not have a restriction on unlisted drivers on the insurance policy, your insurance company will pay for the damages, less a deductible. If the car is a total loss, then the insurance company will pay the “actual cash value” of the car, again less the deductible.Your insurance rates will not be affected, since you were not the driver. However, it may be questioned by the insurance company for proof that someone else was driving the car. If they do not believe that you were not the driver, they can increase your insurance rates for an at fault accident. If there was another car involved, that driver may be able to confirm that you were not the driver.
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