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Started By
Message
Daughter not listen on policy, gets in a wreck.
Posted on 10/14/25 at 5:52 pm
Posted on 10/14/25 at 5:52 pm
How screwed am I? Wife handled our new auto insurance policy. Massive screwup on my end for not overlooking.
Daughter gets into an accident on 75 south the other night, side swiped a semi. Thank God not a scratch on her. Her car will be a total loss, and I wasn’t even going to file a claim on it. It’s an older car and has been paid off for years. Unclear how much damage will he to the truck.
Here’s the fun part, wife tells me she was not listed our policy. We got the policy when she hardly drove at all. She’s 19 and goes to work in that older car.
I’m sure insurance won’t even think about covering our damage, however I wonder if they will cover the damage to the truck.
If this belongs to the money board, my apologies. Just slightly worried here.
Daughter gets into an accident on 75 south the other night, side swiped a semi. Thank God not a scratch on her. Her car will be a total loss, and I wasn’t even going to file a claim on it. It’s an older car and has been paid off for years. Unclear how much damage will he to the truck.
Here’s the fun part, wife tells me she was not listed our policy. We got the policy when she hardly drove at all. She’s 19 and goes to work in that older car.
I’m sure insurance won’t even think about covering our damage, however I wonder if they will cover the damage to the truck.
If this belongs to the money board, my apologies. Just slightly worried here.
39
Posted on 10/14/25 at 5:53 pm to BluegrassCardinal
Check your policy
Posted on 10/14/25 at 5:55 pm to BluegrassCardinal
Just say she borrowed the car.
They will cover it.
They will cover it.
Posted on 10/14/25 at 5:55 pm to BluegrassCardinal
if you’re the owner and she’s only an”occasional” driver, you should be okay
Posted on 10/14/25 at 5:56 pm to BluegrassCardinal
Did your insurance company give you any "paperwork" ?
Posted on 10/14/25 at 5:56 pm to BluegrassCardinal
quote:
Wife handled our new auto insurance policy. Massive screwup on my end for not overlooking.
quote:
Wife handled
quote:
Massive screwup
quote:
Wife
Pics?
Posted on 10/14/25 at 5:57 pm to BluegrassCardinal
You should listen and pay attention next time.
Posted on 10/14/25 at 5:57 pm to BluegrassCardinal
quote:
If this belongs to the money board, my apologies. Just slightly worried here.
You're probably on the right board for this question.
quote:
I wonder if they will cover the damage to the truck.
If you're daughter is not a covered driver then probably not.
Do you know how much damage and where on the truck?
Posted on 10/14/25 at 5:58 pm to BluegrassCardinal
How the hell do you let anyone behind the wheel of your car that you do not know is insured?
Posted on 10/14/25 at 5:58 pm to CMBears1259
quote:this is the question that needs answering.
Do you know how much damage and where on the truck?
Posted on 10/14/25 at 5:59 pm to CMBears1259
Damage to some sort of fuel tank cover and the skirt. No clue on what we are looking at in damages
Posted on 10/14/25 at 5:59 pm to BluegrassCardinal
If your daughter lives with you, you should be fine. Just say she is an occasional driver.
Posted on 10/14/25 at 5:59 pm to Jcorye1
Cars are insured , drivers are not. If I borrowed your car and wrecked it, they would cover it.
Posted on 10/14/25 at 6:00 pm to BluegrassCardinal
Depends on the application and policy. Were you asked about regular operators and household members. There are likely applicable exclusions but also companies in certain states can rescind the entire policy for the material misrepresentation. You are expecting coverage while not paying premium for the risk.
Posted on 10/14/25 at 6:01 pm to BluegrassCardinal
quote:
side swiped a semi.
Or did the semi swipe her
Posted on 10/14/25 at 6:01 pm to xBirdx
quote:
Cars are insured , drivers are not. If I borrowed your car and wrecked it, they would cover it.
This is because you are covered as a permissive operator by the policy language. If you are a regular operator or household member you are typically carved out.
Posted on 10/14/25 at 6:01 pm to BluegrassCardinal
Insurance laws vary significantly by state. If you have a Kentucky insurance policy you need Kentucky answers. Some states have permissive user and some states do not as an example.
Posted on 10/14/25 at 6:03 pm to BluegrassCardinal
Does she live with you? As a resident relative, she would not be covered. If she lives elsewhere, she is a permittee and covered.
Regardless, if she is over 18 you are no longer liable for her torts.
Regardless, if she is over 18 you are no longer liable for her torts.
Posted on 10/14/25 at 6:05 pm to BluegrassCardinal
It’s going to be tough, because the policy likely requires you to list as a driver any person over the age of 18 that lives in your household, irrespective of whether they are a resident relative. She would otherwise probably have been covered, but because insurance didn’t rate your premiums on the risk of a young driver that they didn’t know was going to be driving the car, they will likely deny.
Posted on 10/14/25 at 6:08 pm to BluegrassCardinal
Is the car on your policy?
Does she live with you?
Edit to ask... your daughter drives how often with no insurance coverage?
Does she live with you?
Edit to ask... your daughter drives how often with no insurance coverage?
This post was edited on 10/14/25 at 6:10 pm
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