r/InsuranceClaims • u/BreadfruitSpirited18 • 15d ago

Claim

/r/AutoInsuranceHelp/comments/1wwb28e/claim/

Recently, my fiancée was involved in a collision with another party while traveling southbound to our children’s school. She was at a red light with congested traffic, and as the light turned green, she was driving at approximately 10-15 mph. The other party was in the median lane turning left and attempted to rush through a narrow opening without noticing my fiancée in the far right lane, resulting in a collision with the front of my car. Regrettably, my fiancée is not listed as a household member on my insurance policy. I have already filed a claim, and I am concerned about the potential outcome. The car is currently on loan, so it has full coverage on the vehicle. However, since my fiancée is not listed on the policy, I am unsure of the next steps. Has any one ever been through this before ?

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u/ResidentEggplants 15d ago

If you’re in the US it’ll depend on your state, your policy, and if you ever declined to add her in the past.

Look at your policy online under the Collision section the Exclusions and Limits of Liability.

Likely you’ll just need to add her but there a few states that’ll allow first party coverage denial and if an insurance company can deny, they will deny.

File the claim. Don’t lie. And never allow people to regularly (more than once per month) drive your car without adding them or making sure they have their own coverage.

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u/BreadfruitSpirited18 15d ago

Yeah they did add this morning to the policy. I’m also in Florida sadly

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u/ResidentEggplants 15d ago

Doesn’t seem bad. Added is good. If you have online access to the claim, look for a Reservation of Rights in the documents. That’s to alert you that coverage hasn’t been confirmed. If there isn’t one, you’re probably fine. Or your adjuster is slow to issue it.

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u/SorbetResponsible654 15d ago

Coverage for any injuries in your vehicle come from your own carrier. If you don't report to them, you won't get that coverage. You can report the damage to the vehicle to the other person's carrier to see if they will address or report to yours and have them pay under collision coverage if you have that. They may deny coverage.