Insurance saying I'm an 'undisclosed driver' after borrowing my dad's truck — can they really deny this?

Oh man, I went through almost exactly this with my sister's car a couple years back. Same thing — they started asking how often I drove it, whether I paid any bills at her address, all of it. What ended up helping us was pulling together anything that showed my own address as my primary: utility bills, bank statements, even a gym membership confirmation. The more paper trail you have rooted to your own place, the harder it is for them to call you a household resident.

That questionnaire is not neutral. They are absolutely building a denial file right now. Every answer your dad gives them gets weighed against whether they can label you a resident relative who should've been listed. I'd seriously pump the brakes on filling that thing out without talking to someone first — an attorney or at minimum someone who knows how these investigations work. Don't hand them the rope.

The legal concept they're leaning on is called "resident relative" exclusion — basically, if you're considered part of the household, insurers argue you should have been listed as a rated driver. Whether that applies to you depends heavily on your state and the specific policy language. Some states define residency pretty narrowly, others are broader. Before your dad responds to that questionnaire in writing, it might be worth having an attorney glance at the actual policy wording. Not legal advice, just — that document matters a lot here.

Not legal advice, but I'll say this: the "regular operator" and "resident relative" arguments are two different things, and insurers sometimes conflate them strategically. You could be a non-resident who occasionally borrows a car and still be covered under permissive use — or the policy might have specific language that limits that. The questionnaire your dad received is the kind of thing worth having a PI attorney review before responding. A lot of them do free consults for exactly this scenario.

Are you doing okay physically? You mentioned someone clipped you — did you get checked out after? Adrenaline masks a lot in the moment and sometimes people don't feel whiplash or soft tissue stuff until days later. Make sure you're documenting any symptoms even if they seem minor, because if anything surfaces later you'll want a medical record that connects it to the accident.

This sounds so stressful, I'm sorry you're dealing with it on top of everything else. The fact that the other driver caused the accident and there's a police report proving it makes this feel even more unfair. Hoping you get some resolution soon — you didn't do anything wrong.

Few questions because details matter here — is the other driver's insurance also involved, or are you going through your dad's policy only? And was the police report clear on fault, or is there any dispute? Because if the at-fault driver's insurer is on the hook, this whole "undisclosed driver" issue with your dad's policy might be less central than it feels right now.