When you add someone to your car insurance, you can call your car insurance company or log into your online account to add a new driver to your policy. Your insurance company will generally need the name, date of birth, driving history, license information, and vehicle identification number (VIN) if you also plan to share a policy that covers both vehicles. Many insurers, including Progressive, allow you to add a friend to an auto insurance policy as a driver if you share a permanent residence. 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. If a household member will no longer be driving your vehicle, you can exclude them from your car insurance policy in most states. There are times when you may not want to include a licensed family member in your policy because of the impact that your state could have on your premium. For example, if a driver has several accidents or violations on their motor vehicle report that have a negative impact on the cost of your insurance, excluding them from your policy could reduce your car insurance rate.
However, some states prohibit excluding anyone who is of driving age from their household. The claim could be denied if the policyholder was driving a vehicle not covered by their policy. It's important to make sure that every vehicle you drive is covered by your insurance policy to ensure that you're protected in the event of an accident. Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance.
The insurance commissioner is a government agency that regulates insurance companies and ensures that they comply with state laws and regulations. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person. No one should give a recorded statement to an insurance company, not even to their own insurance company, without first consulting an attorney. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car.
Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. If you've been in a car accident and Progressive has denied your claim, it's essential to understand why. Some states and insurance companies require that all members of the household who are of driving age, including friends, be listed on your car insurance policy as drivers.
If you and your friend don't currently share an address, they won't be able to be listed on your car insurance policy even if you plan to move later. Sharing an auto insurance policy, on the other hand, typically means that both vehicles are covered by a single policy. Sharing a car insurance policy with a friend could help both of you save money by splitting the costs of some car insurance coverages. An excluded driver is a person in your household who has been explicitly excluded from coverage under your auto insurance policy.
You should add any regular driver of your car to your insurance policy to cover damage caused by accidents...