Reader’s Question:

My girlfriend and I live together in Hialeah, Florida. She owns two vehicles and I frequently drive those vehicles. Must I be added as a driver on her car insurance policy?

Janet

Hialeah, FL

Yes, though insurance carrier’s guidelines can differ most insurance companies will require you to be added as driver on your girlfriend’s insurance policy since you live together in the same household in in Hialeah, Florida.

The underwriting rules of most insurance carriers require that all licensed household members are added on the insurance policy since they will likely be driving the vehicles, and in this situation you do frequently. So to be properly covered under your girlfriend’s insurance coverage you will need to be added according to most insurance company’s guidelines.

To know exactly what her insurance carrier requires your girlfriend should contact her insurance broker and tell them about you living in the same house and driving her cars on a regular basis.

Tags: auto insurance