HE was the insured period. The fact that the jeep wasnt listed on his policy is irrelevant technically. It not being insured only means they wouldnt cover any losses he sustained to the vehicle if he damaged it period. That doesnt negate any insurance and liability coverage of his insurance company he had active at the time period. BTW doesnt she have insurance too anybody without un/under insured motorist coverage is an idiot anyway IMO especialy with all the illegals driving without licenses in this state.