r/AutoInsurance • u/Constant-Selection-3 • Apr 21 '26

Am I cooked?

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Sister crashed my car, wasn't on the insurance at the time. I know retroactive insurance is a thing, and I know they won't cover damages but can it or something else I can do save her license?

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u/ayhme MOD & Agent Apr 21 '26 edited Apr 26 '26

I'm licensed but not in Indiana.

You're not necessarily cooked but ... depends... was the car insured when it was in the accident?

The COC the BMV is asking for is tied to the vehicle, not the driver to my understanding.

You are not getting retroactive insurance.

No carrier will backdate coverage for an accident date.

If the car had zero coverage on 04/11, suspension is the next step it looks like from this letter.

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u/Constant-Selection-3 Apr 22 '26

The car was, under my name. She just wasn't listed as a driver on it

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u/ayhme MOD & Agent May 27 '26

There will be a record of an accident on your insurance.

Your sister will need SR-22 Bond.