1. Your insurance company may deny coverage. This means that you will be responsible for paying for any damages caused by the accident.
2. Your insurance company may provide coverage, but you may be responsible for a higher deductible. A deductible is the amount of money you have to pay out of pocket before your insurance company starts to cover damages. If the driver who caused the accident is not on your policy, you may have to pay a higher deductible than if they were.
3. Your insurance company may increase your premiums. After an accident, your insurance company may increase your premiums because you are now considered to be a higher-risk driver.
4. You may be sued by the other driver. If the other driver was injured in the accident, they may sue you for damages. If you are found liable for the accident, you could be ordered to pay for their medical bills, lost wages, and pain and suffering.
5. Your car may be impounded. If the police find that the driver who caused the accident was not on your insurance policy, they may impound your car. You will have to pay a fee to get your car back.
It is important to make sure that anyone who drives your car is on your insurance policy. This will help to protect you in case of an accident.
