Boyfriend driving my car involved in car accident, not at fault

by Paulette
(Mississauga)

My boyfriend was driving my car 2 days ago and he was involved in a car accident that was unavoidable. A woman swerved into his lane to avoid her hitting another car that slammed on his brakes on the highway. The whole left side is destroyed. He is not on my policy. He currently does reside at my home. He does not normally drive my car and he was never added to my policy as he has a bad driving record and we wouldn't be able to afford insurance so he just doesn't drive my car.

I was told that my car was a write off and then told they wanted to go through with an offer but were told its been transfered as they investigated because the driver was not on my policy. Does this mean they aren't going to cover me? I was in the car, we were not in any way at fault. Charges were made against the other 2 vehicles involved. Won't the other drivers insurance be the ones covering the costs? Why does it matter that I wasn't the driver if we were not at fault? They are giving me the run around and I can't get an answer out of anyone. Meanwhile, I have no car.
Thank you!

Not at Fault Accident


Hi Paulette
Insurance company's in Ontario are finding too many drivers with bad records driving vehicles they are not listed on. For this reason, they are likely investigating your claim to see if there was any misrepresentation on your part. So yes, there is a chance they won't cover your claim. Misrepresentation is a very serious issue in insurance.

But most likely they will. Under no fault insurance you deal with your own insurer for claims, not the other party.

Good luck!



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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

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