u/Dependent_Band_438

Hi everyone, I’m looking for advice because I’m really stressed and not sure what to expect here.

A few weeks ago I was in a minor accident (literally a parking lot fender bender, about $3,300 in damage) while driving my mom’s car. She owns the car and has the insurance policy. I had permission to use it, but I was not listed as a driver at the time.

Context: • I’m her daughter and part of the household • I only use the car occasionally (a couple times a month at most) • I split my time between my mom’s house and my boyfriend’s house (they’re about 10 minutes apart) • I’m 26 and don’t own a home, and I never fully “moved” my things from my mom’s to my boyfriend’s • After the accident, my mom added me to the policy (I now understand the timing looks bad)

Now the insurance company is questioning coverage and asking for proof that I wasn’t a resident at my mom’s house when the policy started (October 2025).

So far: • I provided two receipts showing my name and my boyfriend’s address (December 2024 and December 2025) • They then asked my mom for a lease to confirm I’m not listed (but she has a mortgage, not a lease, so that didn’t really help) • Now they’re asking for more documentation (like receipts/mail) from September–December 2025

The problem is I don’t really receive or keep mail—if I do, it’s usually junk and I throw it out. I don’t have much “official” documentation tied to either address.

I’m honestly confused because: • I had permission to drive the car • I don’t use it regularly • This is a small claim (~$3,300)

But they’re treating it like a huge issue and now I’m worried they’re going to deny it. I’m also in the middle of moving downstate with my boyfriend and don’t have the money to pay this out of pocket.

My questions: • Does this still fall under permissive use if I only drove the car occasionally? • How much does being part of the household matter vs. how often I actually drive? • Is it normal for them to push this hard for a relatively small claim? • What should I do next if I can’t provide more “proof of residency”?

I’m not trying to misrepresent anything—I just genuinely don’t have the type of documentation they’re asking for.

Any advice or similar experiences would really help.

Hi everyone, I’m looking for advice because I’m really stressed and not sure what to expect here.

A few weeks ago I was in a minor accident (literally a parking lot fender bender, about $3,300 in damage) while driving my mom’s car. She owns the car and has the insurance policy. I had permission to use it, but I was not listed as a driver at the time.

Context: • I’m her daughter and part of the household • I only use the car occasionally (a couple times a month at most) • I split my time between my mom’s house and my boyfriend’s house (they’re about 10 minutes apart) • I’m only 26 and don’t own a home or a car , and I never fully “moved” my things from my mom’s to my boyfriend’s • After the accident, my mom added me to the policy (I now understand the timing looks bad) • I primarily stay at my boyfriends and borrow his car

Now the insurance company is questioning coverage and asking for proof that I wasn’t a resident at my mom’s house when the policy started (October 2025).

So far: • I provided two receipts showing my name and my boyfriend’s address (December 2024 and December 2025) • They then asked my mom for a lease to confirm I’m not listed (but she has a mortgage, not a lease, so that didn’t really help) • Now they’re asking for more documentation (like receipts/mail) from September–December 2025

The problem is I don’t really receive or keep mail—if I do, it’s usually junk and I throw it out. I don’t have much “official” documentation tied to either address.

I’m honestly confused because: • I had permission to drive the car • I don’t use it regularly • This is a small claim (~$3,300)

But they’re treating it like a huge issue and now I’m worried they’re going to deny it. I’m also in the middle of moving downstate with my boyfriend and don’t have the money to pay this out of pocket.

My questions: • Does this still fall under permissive use if I only drove the car occasionally? • How much does being part of the household matter vs. how often I actually drive? • Is it normal for them to push this hard for a relatively small claim? • What should I do next if I can’t provide more “proof of residency”?

I’m not trying to misrepresent anything—I just genuinely don’t have the type of documentation they’re asking for.

Any advice or similar experiences would really help.