Does Your Car Insurance Actually Cover Your Drivers?

reckless driving insurance coverage

You get a car, buy insurance, and think you’re covered in the event of an accident. Most car insurance actually does cover any drivers who you permit to operate the vehicle.

But a Virginia family was shocked to have coverage denied after their family-business vehicle was wrecked.

The problem? The car was titled in the mom’s and dad’s names. The business is owned by the dad and son (NOT the mom). The car was paid for and insured by the business.

The mom was driving the vehicle at the time of the accident, taking the dad home from the hospital. The insurance company denied coverage, claiming that the mom driving was outside the policy, since she isn’t part of the business.

The appeals agreed. Basically, the title of the vehicle screwed over this family. They had insurance, but they didn’t have all the paperwork in order to make sure that the insurance covered them.

The takeaway for anyone with ANY business use of their vehicle is to make certain that you review your insurance policies regularly. Make sure your insurance actually works when you need it.

Photo by: fourbyfourblazer Head-on Car Accident

Andrew Flusche

My name is Andrew Flusche. I am a traffic and misdemeanor defense lawyer in Virginia. I limit my practice to traffic tickets and misdemeanor defense, so I know the ins and outs of these offenses. I literally wrote the book on reckless driving in Virginia which you can get on Amazon here or download for free here. I opened my practice in 2008 after earning my Juris Doctor degree from the University of Virginia School of Law. Since then, I have earned over 600 5-star reviews from happy clients on Google, Yelp, and Facebook. If you’ve been charged with a misdemeanor offense in Virginia, please don’t hesitate to contact me. Your initial consultation is always free, and you'll talk directly with me about the details of your case.

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