Reader’s Question:
If I took my girlfriend’s vehicle without permission in Fort Worth, Texas and got into an accident will her insurance company still cover the vehicle if I am not a listed driver?
David
Fort Worth, TX
No, it is unlikely that you will be covered for this type of accident.
There are a couple of reasons why your girlfriend’s insurance carrier would usually deny insurance claims arising from an accident where you were driving without permission and as an excluded driver. Normally to accept a an insurance claim you must be a permissive driver, and that means the vehicle owner gave you permission to drive the car. If you took the vehicle without permission, therefore either stole the vehicle or had unauthorized use of it then her insurance carrier could deny insurance claims.
Another reason is that you are an excluded driver. You should know that if you were excluded from her car insurance policy it means that you would not be extended any car insurance coverages if you drive the car. This means if you operate it with permission, without permission, or in an emergency, etc.
If you did take your girlfriend’s car in Fort Worth, Texas and cause an accident then likely you will be held personally liable for all the damages you caused to her vehicle and anyone else.
Tags: auto insurance