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Subject to any policy exclusion, he more than likely will be considered an insured driver and therefore coverage, however he will then need to be rated on the vehicle. (if he is an excluded driver already on your policy, then unfortunately you have a problem, no coverage for yours or the other vehicle).

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Q: What happens if your husband was driving you to work and hit a parked vehicle and he is not on your insurance?
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What happens if you wreck a car that you dont insure?

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As long as you have a license. The insurance follows the vehicle, not the driver.


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