Elwira Alhberg

Question: Is my car covered under my insurance?

I have a 2008 car that has full coverage even though it is paid off. My wife is not on the insurance. I am a former cop and from what she told me, the other vehicle is at fault because he came into her lane and hit our car, but there was no police report. I already called my insurance company and gave the normal information. My question is... will my car be covered because she is not on my insurance? I have been reading and people say the car is covered, not the driver so it should be, but I also read someone who said if someone lives with you and you did not tell the insurance company they could have possession of your car, that they may not cover it. I was a cop, but only did the reports. I didn't deal with insurance so I am naive when it comes to this stuff. I am okay with things going the way they should, but I don't want the insurance company tricking me into some minor technicality that will keep them from covering me. Is there anything I should do or not do? It was damage from the front to the back and we cannot afford to pay for it ourselves.

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