Can you insure someone who doesn't live with you?

Most insurers will also allow you to share a joint car insurance policy with a friend by adding both sets of cars to the policy. If your friend doesn't live with you, it usually can't be added to your policy. Generally, you can only add family members or people who live with you to your insurance policy. However, there are exceptions to the rule.

Generally, you can't add someone who doesn't live with you to your policy. Adding a driver who doesn't live with you is complicated and often depends on your insurer and state insurance laws. Most auto insurance policies are designed to cover cars that multiple people drive in the same household. When buying an auto insurance policy, the company will ask you to make a list of all the regular drivers in your vehicle.

The exact cost of adding a driver to an existing policy depends on the person you add, whether you need to insure an additional vehicle, and which car insurance company covers you. You can get additional liability coverage by purchasing non-homeowner car insurance if you don't have a car. If you have a friend or family member who sometimes uses your car, for example, to run errands or go on a road trip, you don't need to add it to your insurance. Insurance companies often require that family members who live with you, have a driver's license, and drive your car be included in your policy.

If Julie's son was attending college in New York and returning to North Carolina to live with his parents for summer and winter vacations, there's a chance he would have stayed with his parents' car insurance. Because car insurance follows the car, another driver who borrows your car must have the same coverage and limits as you. If someone in your household uses your car frequently, you should consider adding it to your car insurance. Car insurance policies are generally designed to cover all members of your household, including your partner or spouse, licensed teens, and other family members who share your household.

A typical auto insurance policy would include family members, such as husband and wife, domestic partners, and dependent children who have driver's licenses. However, auto insurance companies can deny the claim if they decide that the driver should have been on your policy because he lives with you or had regular access to the car. Sometimes it's necessary to add someone to your policy, since car insurance generally includes the car. An insurer may allow you to add a driver who doesn't live in your home, but whether or not that happens depends on the insurance company you choose and your state's insurance code.

As soon as your teen has a driver's license, you'll need to add it to your policy or prove to your insurer that they're insured or that they're permanently residing somewhere else.