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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