Can somebody else legally drive your car occasionally if they are not included on your insurance policy?

Question

The person at Geico said everyone in your household must be included on the policy, and they would not do it any other way.

Answer 1

That is very common for insurance co's to want to know all the drivers in a household. They need this information to properly assess the risk that they are taking on when they provide you with Insurance. If you fail to provide it, 2 things can happen if someone in your household has an accident with your car.
1. They will charge an addition premium that will be a lot more than what they would have charged you if you had told them about this person in the 1st place.
2. If you are in the 1st policy period, they can flat cancel your policy due to material misrepresentation as you failed to disclose all drivers in your household. Therefore, you will have ZERO insurance to cover the loss and they CAN do this legally as it part of the insurance contract.
Unless you have a REALLY bad driver or a very young driver in the house, your rate will not be any higher than if it was only you listed on the policy.

Answer 2

I personally have always found cheaper insurance than GEICO(Government Employees Insurance COmpany). Hint I am from the government and I am here to help you. Just a little humor. With my policies in Michigan, my only excluded drivers are spelled out by name(Member of household that has suspended license) or excluded by age. Hint I am old therefore get and old fart's break. Anyone above that age may drive my vehicle for a limited time and I would be covered. READ YOUR POLICY FIRST BEFORE BUYING!!

Answer 3

All household members should be listed, but not rated on your policy if they have their own insurance.
Insurance follows the vehicle no matter who is driving it.
I am an insurance agent and sometimes companies like Geico do not give you all the details so they will collect more premium from you...

Answer 4

You are supposed to list all household members on your policy. But to answer your question beyond that, if you give someone permission to drive your vehicle and it's just a one time thing or once in a blue moon the person is considered an insured, is covered, and does not have to be listed. Anyone who will drive the vehicle more regularly than that has to be listed.

Answer 5

Each insurance company has their own rules. Generally, if they don't live with and drive occasionally, they would have coverage. In case of an accident, they can still decline the claim. Better safe than sorry, add the other driver to the policy.

Answer 6

Generally speaking, the insurance goes with the car. For example, if you have an accident while driving someone else's car, the owner's insurance would apply first toward damages. Your auto insurance would generally apply in the event the owner of the vehicle had no auto insurance or did not have enough auto insurance to pay the damages.

Answer 7

If they do not live with you, they are covered, or more importantly you are covered if they have a wreck in your car.

However if they live in your house, even as housemates, they must either be included in the policy to be able to drive it, or excluded which means you are without coverage should they wreck.

If they live with you, aren't on the policy and do have an accident, your coverage is null and void, and if you lie about it, that's insurance fraud and you can go to jail.

Answer 8

They dont nessarly even have to have personal insurance. If that was a requirement, - Your car would not be covered if it was wrecked by a person that stole it.
Insurance on your car normally covers other's driving the car, but if it is for an extended duration, then the insurance company could get (or drop) you for fraud. (not claiming another person on the insurance policy.)

Answer 9

Legally? NO! But.............As long as you have a full coverage policy on your vehicle, you SHOULD be able to skimp by; however, no insurance rep is going to tell you that this is OK; and they'd be right; IT'S NOT! However, if all you're talking about is your 17-year-old son or daughter just jumping in, to go get groceries or what-not................(or whoever!)........... You should be fine; just don't let it become habitual; or, you could end up with many legal fees, fines, and who-knows what else.......

Answer 10

They can drive your car and be covered but the insurance companies are crooks and require that everyone is on the policy or they will cancel the insurance.