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 driver listed on your policy moves out of your residence, you can generally remove that driver from your car policy.
Depending on the insurance company, you may have to prove that they no longer live with you. If the person is still living with you, your insurer may still require that it be listed on your policy. Several months later, on March 3, 1997, Newton was involved in a car accident while traveling through South Carolina. The at-fault driver of the other car did not have liability insurance.
At the time of the accident, Newton was still covered by the policy issued by Progressive. 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 live in the same residence as your friend, you can usually add it to your car insurance because the vehicles are parked in the same place. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims.
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. Most insurers allow you to add a partner, such as a boyfriend, girlfriend, fiancé, or domestic partner, to your car insurance policy if you live together. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. If you and your friend don't currently share an address, they won't be able to appear on your car insurance policy even if you plan to move at a later date.
As noted above, Progressive issued its policy in the state of Georgia to a resident of Georgia through an insurance agent in Georgia. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. With most insurers, unmarried couples can share a joint auto insurance policy or add to each other as drivers listed on separate policies. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for.
Section 56-9-350 (199), Progressive, would have merely confirmed that Newton had liability insurance coverage for his vehicle and could respond to a judgment obtained by a third party up to the limits of the policy. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you. You can remove a listed driver from your insurance policy if they no longer live with you and no longer drive your vehicle.