Auto Insurance Claims: need help, car insurance claim, Driver not named on policy

Question
My car was hit, and totaled. I only had liability.

the person that hit my car WAS at fault. They had liablilty, but the insurance and car was in his mom's name.

The insurance said they may not cover my loss because they said it(insurance) wasnt in his name. (the policy)

Can they do this? This sounds wrong to me.  I thought all that mattered was the car was insurared.

shouldnt i get my money, then if theres a problem, they sue him?

insurance was in oklahoma, accident in kansas.

thanks a million for any info.

Answer
Hi John,
If the son resides with the mother, she is required to add him as a driver to the policy
in order for him to have coverage.

If your claim is denied, your only option will be to sue the driver and the owner of the
car.

I hope this helps.  Your feedback by rating my response will be appreciated.

Bennie
San Francisco Bay Area