Post # 1
I am getting a new car in June, so I have been checking out car insurance rates just to get an idea what I might pay. I’m not sure if I should include my SO on my policy or not…we aren’t living together but we will be when I get the new car. He probably won’t drive it very much (it’s a magenta colored car and he says he won’t ever drive it), but I don’t know if he’d be covered if something bad happened. I know he may drive it a few times a year, despite the color.
Both our driving records are clean, but my credit is rated excellent while his is rated more average. There’s nothing wrong with his credit just that he doesn’t have as long of a credit history as I do. However, when I ad him to my policy as an additional driver the rate increases pretty significantly (probably also because he’s not 25 yet?)…
Just not sure if this is worth it to pay extra when he might only drive the car a few times here or there. He has his own car and his own insurance and we won’t be combining that until we are married.
Would you add him and pay the extra or skip it and hope nothing bad happens??
Post # 3
I’m no expert, but he should check with his insurance. With my parent’s insurance they were told that as long as the person driving the car had insurance SOMEWHERE, they’d be covered.
Post # 4
To my understanding, he is covered as long as you have given him permission to use your vehicle, even if he is not on the policy. Also, if he has his own auto insurance policy, that would cover any accidents as well. I would not add him to the policy. My SO and I have lived together for several years now and are not on each other’s policies. When we go somewhere together, we normally take my car and he usually drives. He knows more about insurance than I do, so if he needed to be on my policy, he would make sure he was. I would say don’t add him if you don’t have to. There may be different laws in different states though (we are in Wisconsin).
Post # 5
- Wedding: June 2010 - Indiana Memorial Union
As long as he has his own insurance, I think it’s fine.
Post # 6
I called my insurance (Geico) and asked if I had to add my fiancé, who rarely drives my car (he only drives it like 3 times over the course of the winter b/c it has 4wd, and he has a little sportscar), I just wanted to make sure he/my car would be covered in case of a crash.
They told me that I don’t have to add him to my policy if he rarely drives my car, since he has insurance of his own (can’t remember who he has his insurance through). His insurance should cover him, mine covers my car, regardless of driver (according to Geico, I don’t know if this is true for all policies).
Once we are married though, apparently, we have to add each other to our policies, which I personally think is stupid since he still won’t be driving my car, nor I his, but whatev.
Post # 7
in oregon you have to be on if you live together- even roommates or else the “occational driver” wont cover you. otherwise he is covered if he is just occational!
Post # 8
Nevermind, I thought I knew but I would just check with your insurance agent. Give them a call. They don’t mind questions like this. That’s what they are here for.
Post # 9
So, Maid/Matron of Honor lurker here (searching for a post that has a pic the bride wanted and came across this) So i’m a car ins. claim adjuster and here are my 2 cents.
Do you have to add him to your insurance? No. Should you? probably depending on your selected coverage.
Insurance follows the vheicle, so if he’s driving, gets in a car accident and he’s at fault or not at fault you’re covered. He’s considered an insured driver, your insurance calls you confirms permissive use, and things proceed forward for the property damage (i should probably mention that if he has regualr access to the keys this is considered permissive use and will then be added to the cars insurance at the time of the claim).
The issue is if he is hurt in a car accident while driving and that is where i would call your provider and ask what the situation would be where he would be able to make a claim against you and your insurance if he is not listed on your policy.
Post # 10
as long as the car is insured anyone can drive it…
Post # 11
I would check with your insurance to be safe since there are differing opinions in this thread. It is probably different depending on where you live.
Post # 12
Thank you ladies…this is so confusing, but I had a feeling it would vary based on company, state, etc.
Post # 13
I imagine this depends on the state and even the insurer, but where we are, I had to be added to FI’s policy when I moved in. (I didn’t have a car at all, though, so it may have been different in that scenario.) Before we lived together, I was covered as an occasional driver; once we lived together, I was not. The cost difference was very small, though (but the under-25 thing might be what’s making the difference in your case). Our state laws are pretty strict, though; it’s illegal to drive a car without liability insurance, so it’s not just a risk from a financial perspective, but from a legal perspective. That varies state to state, but I would definitely check on it.