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The reason i'm asking is my son who lives with is mother totaled my car.. As was said the car was covered and they never asked if the driver had insurance. Now the company's coming back and asking if the driver lives in my house which he does not. So my question is since my son is insured with another company does that mean i can't let him drive any of my cars again. I'd had a 10 yr accident free discount which means i had one free accident. But lets say i didn't since i wasn't driving the car would my premium have risen because the car was wrecked?I thought the wreck would be held against the driver?