What is a household driver?

Answer: In general, an immediate or extended family that lives with you as well as non-family household members that drive your vehicle, such as a roommate, can be considered a member of your household by a car insurance carrier.

Can I drive my parents car?

You can’t legally drive your parents’ car without any insurance at all, either. Every state, except New Hampshire and Virginia, requires you to have auto insurance to legally drive a car. But, this means you’re fully covered under your parents’ policy for as long as you live with them.

Does car insurance cover if someone else driving?

Usually, yes — your car insurance coverage should extend to anyone else driving your car. So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident.

Can you let someone else drive your car?

Can I add someone to my car insurance that doesn’t live with me?

No, you cannot add someone who doesn’t live with you to your car insurance in most cases. But car insurance companies may deny the claim if they decide that driver should have been listed on your policy because they live with you or had regular access to the car.

Does your wife have to be on your car insurance?

You do not have to add your spouse to your car insurance. Most car insurance companies will want all licensed members of your household listed as drivers, to make sure your policy’s rate is calculated properly. But there is no legal requirement that says a driver must add their spouse to an auto insurance policy.

Can I drive my mom’s car if I’m not on the insurance?

Most insurers cover someone else driving the policyholder’s car with their permission once in a while. But, if you’re going to start driving one of your parent’s cars regularly, you’ll need to be added or named on their auto insurance. You can’t legally drive your parents’ car without any insurance at all, either.