If another driver has an accident in your car will your insurance company add that driver to your policy?

Answer 1

The other driver is not "added to your policy". However, the other driver will be covered by your policy for this accident provided certain conditions are met. 1. The vehicle cannot be available for the regular use of this other driver, which is to say the policy will cover them so long as they are merely borrowing the vehicle. 2. The other driver must have the permission of the owner of the vehicle to drive it. Insurance will not cover someone, for example, who wrecks a car after stealing it. Note that if this temporary driver is insured with their own policy, their policy would only come into play if damages exceed the limits of your policy.

As you note in your question that the temporary driver was added to your policy, I must assume that this person is someone who you did not report to your insurance company as a driver but they should be on your policy, i.e. someone who has the regular use of your vehicle. Insurance companies handle this situation in differing ways but some will add a driver to the policy as a courtesy to their insureds. Those that do this will first look into that driver's record to determine what premium they would have charged to cover this person had this person been on the policy from the start. So long as the premium increase would not have been more than a certain percentage, say 30%, they will provide coverage for the accident, add the driver and charge the added premium amount for the added coverage. However, if the premium increase were more than this certain percentage, they may not only deny coverage for this accident, but also rescind the policy - meaning the policy is null and avoid. They can do this because one of the conditions of insurance is that the insurance cannot commit a material misrepresntation, such as misrepresenting who and what is to be insured.