Can you be added to your in-laws auto insurance?

UPDATED: Apr 27, 2011

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UPDATED: Apr 27, 2011Fact Checked

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Asked April 27, 2011

1 Answer

Not only can you be added to the auto insurance policy of your in-laws, most insurance companies will require it as a condition of the policy. This applies to in-laws, a boyfriend, or simply to all members of a family-style household. This applies to a group of roommates just as much as a family, because the insurance company is looking for people who might be driving the vehicle at some point, not those who will be using it on a regular basis.

Insurance companies will ask about other members of the household when they are completing the forms for insurance. It is not necessary to be a driver of the car that is insured to be listed on the insurance, either, as insurance companies have determined that all licensed members of a household are likely to drive the car at some point, whether they had originally intended to or not. If you are a licensed driver, you are considered a possible driver even if you have your own vehicle and a separate insurance policy.

If you do not live in the home with the in-laws, you should not be listed on their insurance unless you do drive the car on occasion. Anyone who may drive the car, even relatives from another town or state, need to be listed. If a person is driving the car and involved in an accident, the insurance company is not required to honor the claim and may even go so far as to cancel your insurance for not following the rules outlined in the insurance policy.

Answered April 27, 2011 by Anonymous

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