Anyone else ever get totally blindsided by insurance rules when a family member borrows your car? I thought my policy was pretty straightforward—figured if my sister or dad needed to use my car real quick, no biggie, right? Well, turns out it's not that simple. My sister borrowed my car last weekend and had a minor fender bender (nothing serious, thankfully). But now my insurance is giving me the runaround about coverage because she's not explicitly listed on my policy.
I mean, c'mon, it's not like she's some random stranger off the street. She's family. I always assumed family borrowing your car once in a while was just... covered, you know? Now I'm stuck dealing with paperwork and phone calls and feeling pretty frustrated about the whole thing. Anyone else been through something similar or am I just unlucky here?
