Can an insurance company deny a auto theft claim when they think someone not on policy a regular driver?
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Can an insurance company deny a auto theft claim when they think someone not on policy a regular driver?
My car was stolen from my daughters
address..I was watching kids that
night..I’m there alot as my grandkids
live there..i have furnished all records
requested..Sat pix show car is parked
there alot and only oil change is in my
daughters name with her address..I have
health issues so kids help me at times.
I had forgotten that and didn’t mention
it..Insurance co is fixating on fact
they believe my daughter was a regular
driver..which has nothing to do with the
car being stolen..can they deny on those
grounds?
Asked on July 11, 2018 under Insurance Law, Arizona
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 5 years ago | Contributor
Yes, they may be able to deny your claim on this basis. You have to accurately disclose all regular drivers and also where the car is often or regularly kept (which is particularly important in car theft claims, since car theft statistics vary by location). The insurer has the right to price the insurance correctly based on who drives a car and where it is kept, or to even refuse to provide coverage if the drivers and location makes it too much of a risk for them. Not providing complete and accurate information (or not updating it as things change) is a violation of your policy obligations and fraud, and provides a basis for denying a claim.
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