Can an insurance company add to your premimum on another licensed driver,that lives in your house temporarily in your house,without your consent?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Dec 29, 2015
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Foraker, IN
Asked on 12/29/2015
Can an insurance company add to your premimum on another licensed driver,that lives in your house temporarily in your house,without your consent? NULL
Answer given on January 03, 2016
If an auto insurance company learns of another driver in the household, they may add that driver to your policy. Usually they will contact you before making a change, to be sure that the person is not just visiting.It is possible they learned of the driver due to an accident involving your car and the other driver as being the driver in the accident. If that is the case, they can add the driver unless that driver can prove they have their own separate insurance on another car. If they do not, and remain living in your home, the insurance company can add them and charge the rate which will apply based on their driving record, driving experience, etc.You can talk to your insurance company about this, but if the person is to remain in your home, has no other insurance or car, the option may be to add them or exclude them from your policy.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.