Driving girlfriend’s car

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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 9, 2012

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Insurance Question from Alex, MN

Asked on 12/09/2012

Driving girlfriend’s car I live with my girl friend and do not have a car or car insurance. I use her car to drive to work 3 days a week and also drive our son ( who lives with us) places. Am I covered under her insurance? If not what do I need to do? If there was an accident what would happen?

Answer given on December 11, 2012

If you do not own a car and live with your girlfriend, her insurance on her car will protect you, and her, in the event of an accident. Insurance follows the car, so if there is an accident caused by you in her car, then her insurance will respond. The insurance company should be advised that you are a driver in the household, although it is not required. If there is an accident involving you as a driver, the insurance company will follow up and ask for you to be added to the policy or they may exclude you. If your driving record is good, adding you as a driver might not affect the premium. Rates are based on the age, driving experience and driving record of drivers in the household. It msy be better to add you to the insurance policy now rather than waiting for something bad to happen.

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