If you have named car insurance policies, but a person using your car wrecks it but is not an excluded driver would you still have full coverage? Insurance isn’t wanting to cover any damages from the accident because its a named driver policy
If you have a Named Driver policy, that means the people listed as drivers on the policy are the only ones covered. Since the driver is not listed on the policy, they are not covered to drive the car and the insurance company can deny the claim. Good luck and if you have any other questions, don’t hesitate to ask.