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Yes. As long as you have obeyed the terms in your policy and you have all members of your household listed on your policy. If you have not listed all household members on your policy as drivers and have not paid the required premium for that person why would you think that the insurance company should pay the claim. You have lied to the insurance company and therefore voided your legally binding contract by means of material misrepresentation. Most likely if they find out the person will be listed as a driver and you will probably have your policy cancelled.
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