Auto Insurance Claims: Insurance wont cover hubbies car I crashed, state insurance commissioners, hubbie

Question
I was rear-ended in an accident driving my husband's car two weeks ago. Did the police report, DMV etc, no major bloody injuries, a bit of on/off physical pain on my body. We just got the news from my husband's insurance company that they're not covering the car rental or anything related to the accident. Reason: my husband failed to adjust/report his information to his insurance company: change of address, marital status, add me to his insurance policy. I rarely drive his car, but since I had to take my car to the repair shop, we agreed that I take his car to my trip to San Diego. I do have insurance and have added his name on my policy as he drives my car whenever we're together. But I rarely take his car - unless I have to, and in this case I needed to. The other driver is completely at fault. He rear-ended me when I was at a stopped traffic which was going 0-20 miles an hour on the freeway. He completely crashed into the back of hubbie's car. I am shocked and confused as to why hustand's insurance is not willing to help cover damages. So far we have not yet heard from the other party's insurance company and I am not sure what to do now. Will husband's insurance company follow up with the other party to make sure they pay? How can I make my husband's insurance change their mind?

Answer
Hi Marlene,

Most insurance policies require that all driver in the household be listed on the policy regardless of whether or not they drive the car. That having been said, if this policy was in force before you got married, my understanding is that they should add you to the police and charge any additional premium that may be required, but they should pay the claim. You may want to contact your state insurance commissioners office for verification.

If you were not at fault in the accident then you should pursue the at-fault parties insurance directly. Your insurance company will not do anything for you unless thay pay the claim. You should contact the other insurance company yourself to report the claim. If the facts are obvious and the other person is at fault then they will pay for your repairs, your rental car and any medical bills your incurred.

I hope this helps
Richard Hixenbaugh