Can I Add My Girlfriend to My Car Insurance
THURSDAY, Dec 13, 2018
Should You Add Your Live in Boyfriend or Girlfriend to Your Motorcar Insurance?
Should you add your alive-in boyfriend or girlfriend to your car insurance ? The uncomplicated reply: yes and no. A long-fourth dimension customer of mine came to me with this question recently. "My fellow, who lives with me, is paying a lot more than I am for his auto insurance. Tin can I add him to my policy?" My answer was simple. "Yes, we need to add him as a driver in your household. Merely, we should not add his car to your policy." Your auto policy needs to insure the owner of the car. If you are in an accident, an chaser will sue the registered owner and the commuter. If nosotros added his car to her policy, at that place could be a gap in coverage. The insurance company will defend the named insured, which, in this instance, is different than the owner of the car. Some other reason she shouldn't add his car to her policy is the possibility of him getting into an accident. Her motorcar policy would increase in premium because his car would be covered under her policy. Something else to consider is the possibility of a pause-up. It could become messy if his car is covered under her insurance, whereas she could hands and speedily remove him every bit a driver on her policy without leaving him uninsured. However, she should add him as a driver on her policy. Auto insurance is a contract between you and the insurance company. There is diction in the policy that requires you to add all members of your household every bit drivers. They may not drive your car, but they still need to be added as drivers. You should also add yourself to your boyfriend'due south policy as a driver, even if you never drive his motorcar. What happens in an emergency and you lot need to drive his machine for some reason? Y'all could exist without coverage. In summary, add yourselves as drivers on each other's policies but exercise non combine the 2 cars onto one policy unless you get married and start to incorporate other aspects of your life legally. 
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Source: https://www.darrschackowinsurance.com/blog/should-you-add-your-live-in-boyfriend-or-girlfriend-to-your-auto-insurance.aspx
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