It is pretty common to see a couple share their cars interchangeably. Though, one partner may claim that a specific car is “his or her car,” if the other partner needed to drive it, he or she would without a second thought. But what if something disastrous were to happen? What if there was a bad car accident? Would the person driving be covered under the auto insurance policy?
Is My Spouse Covered Under My Auto Insurance?
First thing is first, call The Sanford Group in Ball Ground, GA to see if your spouse is already listed under your insurance policy. If the answer is yes, then you have nothing to worry about. By listing your partner as a covered driver on your insurance plan, he or she is covered in the event of an accident. If your spouse is not listed, however, and gets caught behind the wheel of your car, trouble may not be far behind. For example, if a husband fails to let his insurance company know that he is married, doesn’t list his wife on the policy, and she gets into an accident, she may be denied coverage citing misrepresentation. Misrepresentation is a type of insurance fraud that says that the policyholder did not give the insurance company all of the information necessary to assess proper risk.
If a wife happened to be driving her husband’s car before he had the chance to add her to the policy and she got into an accident, there are some cases where the accident would be covered. In this scenario, you would likely need to pay for the premiums that you should have been paying as a driver listed on the policy.
Contact The Sanford Group in Ball Ground GA
For more information on adding your spouse to your auto insurance plan, please reach out to The Sanford Group in Ball Ground, GA. They will be able to help you with your request and answer any additional questions you may have.