Trying to help someone out & need some input. Her son borrowed his dad's car (they are divorced) and got into a minor fender bender. Mom covers son on her insurance (Progressive) as son lives with her. No damage to the borrowed car and some minor damage to the other car that was hit. Dad's car is not available for regular use to the son. Turns out that dad does not carry auto insurance on the car. Progressive is denying liability coverage to pay for the minor repairs to the other vehicle since the vehicle the son was driving is not listed on the Progressive policy. I can find no exclusion in the Progressive policy - it says they will pay for damages for bodily injury (none, thankfully) & property damage for which an insured person (the son) becomes legally responsible because of an accident. The definition of an Insured is "you or a relative with respect to an accident arising out of ownership, maintenance or use of an auto or trailer." The son was using an auto and not in any of the ways that are excluded. Nowhere in the liability section does it say only coverage for driving a covered auto.
Any thoughts?
Any thoughts?