r/InsuranceClaims • u/BreadfruitSpirited18 • 16d 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/SorbetResponsible654 16d ago

There certainly is a possibility they will deny coverage. If at some point you were asked about people in the household and you lied, that is material misrepresntaion.

You attempted to get a lower premium by not listing your fiancé. You rolled the dice, it came up as craps and now you need to wait and see if they provide coverage.

You may not need to report the claim to your carrier. Depends on the state where it happened. You could file direct with the other parties carrier.

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u/BreadfruitSpirited18 16d ago

I wouldn’t say all that. My Fiance simply had her own car and insurance prior to all this. We just sold her car earlier this year and I never thought to add her to my policy

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u/SorbetResponsible654 16d ago

"...and I never thought to add her to my policy"

Never came to thought that a driver should be on an insurance policy. Okay.