Yes, you can add a non-family member to your car insurance policy, as long as they meet the requirements of your particular auto insurance provider. Most insurance companies will allow you to add a non-family member, including friends, roommates and employees (such as nannies and caretakers), if they drive your vehicle often. For example, Allstate will add a roommate who is a non-family member to your auto insurance policy, and Progressive lets people who aren’t related but share a home have the same policy.
While most auto insurance policies cover your car regardless of who is driving your vehicle under what’s called “permissive use,” it’s often in your best interest to add a non-family member to your car insurance policy if that individual uses the car often for work, to run errands or for other reasons. Adding a non-family member who regularly uses your vehicle helps maintain good faith with your auto insurance company by showing you’re not purposefully misrepresenting who is driving your car. It can also help prevent future claims from being rejected.
However, it might be difficult to add someone to your auto insurance policy if they don’t live in the same house as you do, whether they are a family member or not. Each auto insurance company has its own rules, though, so it’s always best to start by checking with your specific insurer if you want to add a non-family member to your policy.
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