Can an insurance company add to your premimum on another licensed driver,that lives in your house temporarily in your house,without your consent?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Dec 29, 2015

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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.


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