Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

How do I know if I'm covered and what coverage I have if I'm not the primary policyholder?

I'm financing a car. The auto insurance policy started with full coverage for my car and with an endorsement with me as an added driver to a liability insurance policy. Two months later, it was cancelled due to non-payment and a new policy was started through the same broker, but with a different named company.

The broker deals with numerous companies. After six months, in March of this year to be exact, it was time to renew and we did. Since day one, the primary policy holder had liability for their older vehicle which is paid off. My car is still being financed. I was recently in a car accident where the at-fault driver had no insurance. My insurer states my financed car has only had liability auto insurance all this time which I recently found out. Only the primary policy holder's signature is on the contract. I am on the insurance card. Can you please help?

May 6, 2022 San Antonio, TX

Answer
Author profile picture

Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

We are sorry to hear that you were involved in an accident and to hear about your current predicament.

Does the primary policy holder have the written policy so that you can see what cars are covered on it and for which coverage? If not, you may want to contact the broker that sold the insurance policy and have them look up the day the policy was sold. If sold via phone, they should be able to pull the call and see if it was mentioned that your vehicle needed comprehensive and collision coverage.

If it was not mentioned or you don't see it on your policy, then you likely have not been paying for comprehensive or collisision coverage and you may have to pay for your damages out of pocket unfortunately. Going forward, you can now add these to your insurance coverge. You may also want to consider uninsured motorist insurance in case this same type of incident happens again. 

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare auto insurance rates and save up to $670 per year!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Husband backed into a pole in his work's parking lot how to handle insurance

There are a few different factors to consider.First, most insurance companies require you to report any incident that occurs with the car, even if a claim is not filed. Check with your specific company for their guidelines.Second, look at your car insurance policy to see what kind of coverage you h…
Jul 19, 2018 Austin, TX

Can I use my car insurance to damage to garage door?

Your car insurance would not cover the damage to the garage, only the damage to your vehicle if you have collision coverage. As for your second coverage, I would recommend paying for the damage out of pocket. Making a claim on your homeowner's insurance will increase your rates, most likely mo…
Aug 24, 2018 Orlando, FL

How can I get a not at fault accident charged off my driving record?

If your insurance company has to pay out on a claim, it will impact your rates. If you have uninsured motorist coverage, the accident will only stay on your record for 3 years and will not impact your rates as much as if you don't. If you don't have uninsured coverage, but do have collisi…
Oct 3, 2018 Houston, TX

How do I remove a car from my insurance policy?

Depending on your insurance company, there are a few ways to remove a vehicle from your policy. Many major providers allow some policy changes to be made digitally— either through their website or mobile app. Others may only allow modifications through customer service, so you may need to call your…
Jan 18, 2022 Austin, TX