I was in a car accident and no fault has been determined?
The bottom line is driving her car was the same as driving without insurance. It doesn’t matter at this point who’s fault it was, and her insurance company paid under the Uninsured/Underinsured policy. It works just same way, if you actually had insurance, and your insurance company paid to fix her car. Most likely, they want more information so they can determine that this was an accident that wasn’t staged and that she has a legitamite claim. And, it could also mean they simply want to be sure that no other insurance coverage was available as they would prefer not to have to pay. There was a reason your wifes insurance company excluded you and you did not have your own insurance. Typically, a husband and wife living together are insurable unless one or the other is unsurable, e.g. no license, too many violations= high risk etc. The insurance company may also report this to the DMV as any accident over $500 in damage must be reported, so I would expect you to also be hearing from the
