Originally Posted by tickle
There may not be any fraud, but the insurance company may want to know why there wasnt an 'occasional' driver added to the policy(the owner of the car was paying the insurance premium apparently). Same as having a son or daughter on the policy as an occasional driver. Just a thought, and another is:
I can see one side though because here in Ontario if someone is driving your car and has an accident, then the OWNER of the car is responsible for the damages to their own car, and in the case of blame, responsible for the damage to the other car as well.