Who in Your House is Covered by Your Car Insurance?
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- Who in Your House is Covered by Your Car Insurance?
November 18, 2020
Are other drivers who live at your house automatically covered by your car insurance? Do they need to be listed on your policy?
These are important questions because you never know when an accident might happen. You do not want to assume someone is covered by your policy only to be surprised to find out they are not, particularly after a crash. We rely on insurance to provide compensation when the unforeseen happens.
Our Phoenix auto accident lawyers know crash victims often have many questions about car insurance. We also know insurance companies tend to mislead accident victims to try to avoid providing compensation.
We offer a free initial consultation to discuss your legal options after a car crash. If you have a valid claim, we are prepared to deal with the insurance company on your behalf to protect your best interests.
Why Does My Insurance Matter After a Car Crash?
You may be thinking your car insurance should not be something to be concerned about. Arizona is an at-fault state, which means the driver who caused the crash is responsible for the damages that may result. If you were not at fault, you would file a claim with the other driver’s insurance company.
However, sometimes you need compensation from your own insurance company after an accident caused by another driver. For example, what if the at-fault driver has no insurance? What if it was a hit-and-run and the police cannot find the driver who fled?
In these situations, you would likely need to file a claim against your policy’s uninsured motorist coverage. If the other driver has coverage but it runs out and you still have damages that have not been covered, you may be able to file a claim against your underinsured motorist coverage.
If the other driver’s policy does not cover the damage to your vehicle, you may need to file a claim against the collision coverage in your policy. While collision coverage is not required under Arizona law, many drivers have it because it is required by lenders and leasing companies.
Others covered by your policy may also benefit from these coverages after a crash.
Others Covered by Your Car Insurance Policy
If anyone is listed on your policy, they would likely benefit from it if a claim needs to be filed. (The policy would also likely kick in if the other person covered by your policy caused the accident.)
While each insurance company is different, they generally require or expect the following people to be listed on your policy:
- Family members with driver’s licenses
- Others who live in your household and have driver’s licenses but lack insurance
- Anyone who regularly drives your vehicle and does not have insurance from another policy
If someone who lives at your house is a licensed driver and is not listed on your policy, the insurance company may want to know about them, including if that person has an insurance policy. The insurance company is probably going to ask you about anyone who lives at your house who is not listed on your policy.
If you want to avoid the uncertainty about whether someone is covered by your policy, you should at least make sure they are listed on the policy.
What About People Not Listed on My Policy?
If you give someone permission to drive your vehicle and an accident occurs, your insurance will probably cover them. If this person did not have your permission, you are unlikely to be held liable for any damages this person causes.
However, if you lent your car to someone without a license, your insurance policy may exclude coverage.
You should also be aware if you leave your keys in your house where you know others have access to them, and you regularly let others drive your car, your insurance company may say you implicitly gave permission to others who live at your house to drive your car. That means your car insurance would likely apply. If the person who drove your car was unlicensed, but he or she has a strong argument about implied permission to take the keys, you may be on the hook for damages he or she causes.
Need Help with the Insurance Company? Call Phillips Law Group
Our firm has an established track record of recovering compensation for personal injury victims, including car crash victims. We have obtained more than $1 billion in compensation on behalf of our clients over more than 28 years.
We are prepared to negotiate with the insurance company on your behalf. We know how to determine the full value of a claim and gather the evidence we need to build a strong case.
There is no risk in meeting with us because there is no obligation to take legal action and no upfront fees.
Call Phillips Law Group today for assistance. Phone: 1-800-706-3000
Free Case Evaluation
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I tried a few previous law firms and none would take my car accident case with confidence they could get my anything. Phillips law group took my case and although it took around 4 years to get this case settled as I was in treatment, they never let up with insurance adjusters and they got me as much money as possible. They worked hard for me and advocated for me. Shoutout to key individuals who worked my case nonstop of the years, Robert Ross & Jasmine, you are AMAZING!
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I didn’t know anything about the area, and Phillips Law Group just took care of everything. They helped made sure I knew where I was going, made sure I didn’t have to worry. They literally just took care of me.
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A friend of mine recommended Phillips Law and I’m so grateful, because they were so wonderful, so down to earth, so professional. I felt like they were family.
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It’s an Honor and a Privilege to work for a company that cares about its employees and clients for 12 years. I’ve seen Management go out of their way to help someone whether it’s a personal matter or work related. I am also reminded of many occasions where a Client needed urgent help and we as a Team were able to get the person immediate assistance. At Phillips Law we make that happen through Teamwork and a dedication to our profession. I’ve had numerous jobs in several other fields, those were just jobs. This is a home. Many of us have been here for quite a few years, it feels like one large extended family.
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I would like to send special thanks to Phillips Law Group for giving me the opportunity to be a part of the Best Law Firm here in the Valley. During these troubling times with the epidemic, Phillips Law Group has masterfully created this family-like environment while still maintaining a professional and business-like approach for all their clients. Thru impeccable leadership that is unmatched by other law firms to the Multi-diverse employment opportunities that many employees advance within the firm; Phillips Law Group has not only distanced themselves from all other competition in the Personal Injury field but also has innovatively changed the narrative of being a great law institution. From providing Employee Appreciation Day to celebrating all major Holiday including great competitive contests; Phillips Law Group has the total participation of all employees to help contribute to the continued success of this firm. So in closing I would like to thank Senior Administration (Jeffery Phillips, Eva Chiaramonte, and Tim Tonkin) along with all of my colleagues and many friends for help making Phillips Law Group a unique and wonderful place to call my place of employment for 6+ years.
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Working at Phillips Law Group has been great the 1st few years in I noticed how well organized and run this Firm was from Intake to Settlement the Client has the expertise of a staff member uniquely qualified for the particular stage of each Clients claim and all other Law firms try to emulate what we do here but none quite get it right because they lack one major component “Compassion”. We are a FAMILY not just a group of people/employees. We care deeply about each other and our clients’ we are considerate, compassionate and make sure that all our Clients’ needs are met from beginning to end. That’s because we treat our clients just like we treat each other. Nothing like walking through the office and saying Hello to fellow employees who always seem to be smiling. 16yrs in and it only seems to be getting better.
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Kathy Hudson and Donato Giovanatto. Continues to go above and beyond the call of duty. Reaching out to the insurance company about the damage to the vehicle. Forcing them to take responsibility.
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Liz Gonzales was great!!!!
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I would like to thank Vanessa Rodriguez for helping me with my case because I was in total shock about the accident. She had listened to all my concerns and had answered every question I had . She was great !!!
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My paralegal , Caroline , was on top of her game - very responsive and always answered any questions I had and in a timely manner . My attorney Rob ,was the best attorney I ever had . He explained everything in great detail and had a great sense or humor . He really knows how to bring light To tough , unfortunate situations - I would absolutely recommend them at anyone -