Anamarie Waite, Car Insurance Writer
@anamarie.waite
No, you cannot add someone who doesn’t live with you to your car insurance in most cases. College-aged students who aren’t living at home but still use their parents’ home as their permanent address are the biggest exception to this rule. But if your college-aged student has their own permanent address or registers the car in their own name, your child should get their own insurance.
In some cases, you may be able to add someone who doesn’t live with you to your auto insurance if they borrow your car regularly. For example, an elderly person might add a home healthcare worker to their policy because the aide frequently drives their car to help with regular errands.
Since car insurance follows the car, another driver borrowing your car should have the same coverage and limits as you would. 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. If you’re unsure whether you can add someone who doesn’t live with you to your policy, you should contact your insurance agent directly to confirm how they handle your unique situation.
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Your car insurance and registration have to be under the same name in most cases. New York, North Carolina, and New Jersey are a few of the states with laws requiring that the name on a car’s insurance policy and registration match. But even though other states don’t have it written into law, insuring a car that is not registered in your name can still be difficult and make the claims process harder.
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