insurance coverage for adults in same dwelling

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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: May 23, 2019

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Insurance Question from Boston, MA

Asked on 05/23/2019

insurance coverage for adults in same dwelling I have had insurance for 2 yrs., and never had a problem. I went to inquire how much more it would be to add my fiance who currently does NOT drive my car. The ins. company is now forcing me to add him to my ins. stating that it is massachusetts law that any licensed person living in the same home HAS to be on the same ins. Have you ever heard anything such as this. He literally never drives my car. i have it at work all the time and to be real it's MY car. How do I fight this. please help.

Answer given on May 28, 2019

Each state has differing laws about insurance for drivers, but most will allow another person in the household to not be listed as a driver on the unrelated person’s auto insurance policy.  There are restrictions and they can be extreme.  

If your fiance has his own car and own insurance, your insurance company should be willing to not list him on your policy. You provide proof of the other insurance and they should be satisfied.  Ask your agent or insurance company about this.  If that does not work, and you are both comfortable with this option, you can exclude him from your insurance policy. This would mean that if he were to use your car for ANY reason, there would be no insurance on your car.  If he were to cause an accident in your car, that could create a huge liability issue for you, and a possible large financial loss.  He will probably need to sign the exclusion, acknowledging that he is not covered if he drives your car for any reason.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of 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 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 to represent you.

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