I bought back in 03/2012 a non-owners auto insurance policy. I explained to the broker I didn't own a car and was required to have a sr-22 on file and wanted insurance to cover the state law minimums in case I need to drive. She told me that a non-owners policy is what I wanted and it would provide me liability coverage. I got involved in a accident in 07/13/2013, my fault and the insurance company denied the claim because the car is registered in my fathers name. They said there is an exclusion in the policy stating I am not allowed to drive a vehicle registered in my name, the name of a relative or a member of my household. I was surprised and also upset because I was not aware of the relative or household portion and it wasn't explained to me when I purchased it. I pulled up my documents because I remembered ready something different and in the original documents it included a California Certificate of Insurance. On that it had a section with a box check indicating what type of insurance it was and it states "Operators policy providing liability coverage to any vehicle not registered to the insured". I'm just wondering if I have any grounds to fight it. It seems like whats being stated is contradictory. I also believe what was stated on the California Insurance Certificate is a state vehicle code, and is provided to the state for my SR-22. So is the exclusion they are trying to use to decline my claim going directly against the scope of insurance they are telling the state I have?
State: 
California

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.