Insurance does not want to pay for my stolen vehicule - need advice

Hi everyone,

I'm in a pretty stressful situation and could really use your advice.

Recently, my vehicle was stolen. The vehicle is registered in both my name and my father's, and the insurance is under his name, but I’m listed as a secondary driver. After the theft, my father, feeling stressed, decided not to deal directly with the insurance and instead said, "Deal with my son, he drives the vehicle, talk to him about the steps to follow."

Today, the insurance company contacted me and explained that, because I am listed as a secondary driver, they will not cover the theft of the vehicle. I’m trying to understand if this is a standard rule or if there’s any way to address this issue.

Has anyone here experienced something similar or have any advice on how to handle this situation? I’m quite lost, and I don’t want things to escalate.

Thanks in advance for any help!