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Can I be added to my boyfriend’s car insurance?

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Things to remember...
  • If your boyfriend wants to add you to his insurance policy, it’s important to take some details into consideration first
  • Your housing situation may be a factor, so if you’re living with your boyfriend, it may be required that you be on his policy
  • Also, if you are using his car on a frequent basis, then being added to his policy can provide you with necessary protection
  • Your driving record and your insurance history may affect your boyfriend’s policy coverage as well

If your boyfriend is considering adding you to his insurance policy, there are a few things to take into consideration first.

Although there are situations that may necessitate being added to his policy, it’s important to consider how this will influence both of you before it happens. Consider the following:

  • How often you use his vehicle
  • Where you’re currently living
  • Your previous driving record and insurance history

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Your Insurance History and Driving Record

One major way that you can influence your boyfriend’s insurance coverage is through your previous driving experiences and insurance claims.

Even if you already have coverage through another provider, your boyfriend’s insurance may not allow the same types of driving records or insurance histories.

Having a record of traffic violations or previous claims could cause an increase in your boyfriend’s premium or even canceled or non-renewed.

If you have a poor driving record or a previous history of insurance claims, you may want to speak with your boyfriend about how this could affect him.

It’s important to discuss this before he adds you to his policy. Otherwise, there could be unexpected premium increases or changes to his coverage that he is not prepared for.

There is the chance his current provider may be unable to provide you with coverage. If this is the case, then you may want to discuss looking for a different insurance provider to meet your needs.

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How often do you drive your boyfriend’s car?

Another piece of information your boyfriend’s insurance provider will ask for his how often you are using his car.

If you are using his car once in a while or for a short period, such as on vacation, then it may not be necessary to be added to his policy. However, if you are using his vehicle often enough, then his insurance carrier may decide that you should be listed on his coverage.

In the event of a loss, the primary auto insurance will normally provide coverage for a reported claim.

This happens in most situations where you may be operating a non-owned vehicle, but there can be exclusions and state-specific exceptions that may determine which coverage applies.

It’s important to remember that the insurance provider may have their definition of who should be added as a driver to a policy.

While one provider may consider weekly use frequent enough to be added, another provider might consider monthly use frequent enough to be added.

You should speak with your boyfriend and his provider about how often you use his car, and, if necessary, add you to his policy.

If there is a claim and it’s discovered that you should have been listed on the policy all along, the provider may be hesitant or even unwilling to cover the claimed losses.

Are you living with your boyfriend?

Another thing to consider before being added to your boyfriend’s policy is your current living situation. Based on where you are living could determine if his provider requires you to be listed on his policy or not.

If you are living with your boyfriend but you have your coverage, you may be able to provide an affidavit from your insurance provider.

This document lets his insurance provider know that you carry active coverage of your own.

For example, if you are living with your boyfriend in his home, then his insurance provider may determine that you are likely to operate his vehicle more often. Due to this, they may require that you be listed on his policy for you to have coverage when using his car.

If he does not add you and there is an accident, your claim could be declared void or invalid.

If you are not added to your boyfriend’s policy before a claim situation arises, and the resulting investigation determines that this information was purposefully omitted, then there may be more severe consequences.

Falsifying or omitting information that the provider requests could be considered insurance fraud, which may lead to policy cancellations and legal action.

Does your state have any exceptions or exclusions that you should be aware of?

Depending on where you live there can be a different set of state-specific rules and legislation in place regarding insurance coverage. This may limit or alter how coverage applies to a non-listed driver.

For instance, if you are not listed on your boyfriend’s policy, some states may prohibit you from operating his vehicle.

If your boyfriend has a copy of his policy declarations, he may be able to find information regarding any exceptions or exclusions. Policy terms often write out this information to further clarify any coverage alterations for their policyholders.

If you have questions about your state and any unique circumstances you should be aware of, speak to your insurance carrier, your boyfriend’s insurance carrier, or even your state’s Department of Insurance.

Each of these agencies should be able to provide additional information regarding your state and any rules you need to be aware of.

Conclusion

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Being added to your boyfriend’s car insurance is a decision that should be discussed in depth before going through with it.

If it is required in your current situation, make sure you understand why his provider is requiring it and what changes they are making to his policy.

It’s important that you are honest with your boyfriend so that he can be honest with the insurance provider.

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