Does “underwriting” need to know who my in-laws’ insurance company is if I move in with them?

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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: Aug 7, 2012

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Insurance Question from Columbus, NE

Asked on 08/07/2012

Does “underwriting” need to know who my in-laws’ insurance company is if I move in with them? Our lease is up, so husband and I are staying with the in-laws until we can move into the new home we are anticipating buying. He and I have different auto insurance carriers. I informed my carrier that I was going to have a different address temporarily and she asked me what insurance company the in-laws are with currently because "underwriting will ask since you are now in the same household." I don't think it's really any of their business.

Answer given on August 16, 2012

Auto insurance is rated based on the drivers in the household. Since you and your husband are now living with your in-laws, your insurance company has the right to know of the other drivers in the household. This is standard procedure for auto insurance.Since this is a temporary situation, you can tell your agent or company that this is temporary. However, they still may want to know that your in-laws have their own insurance. If they do not, then they will need to be added to your insurance policy, in the event they drive one of your cars. The other option is to exclude them from your policy.Your in-law’s auto insurance company may also ask for your insurance information so they know that you have insurance. Again, this is standard procedures for auto insurance companies as they always need to know of the exposure in the household.

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