will a live-in boyfriends DUI effect my auto insurance if he puts me on his policy even though he is not on mine?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Sep 28, 2011

Advertiser Disclosure

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 Oakland, CA

Asked on 09/28/2011

will a live-in boyfriends DUI effect my auto insurance if he puts me on his policy even though he is not on mine? NULL

Answer given on September 29, 2011

If I understand your question correctly, you have your own insurance policy. Therefore, the concern really should be if your insurance carrier finds out that there is a driver in the household with a DUI. Normally, insurance carriers will ask you “are there any other licensed driver in the household” when applying for an auto policy. This is so underwriting can account for any driver (and their driving record) that may possibly drive your car. Living with a driver that has a DUI could affect your insurance. Your insurance company could ask you to sign a form stating that you will not let your boyfriend drive your car, essential releasing them of any liability in the event he has an accident in your vehicle. But putting you on his policy will not affect your policy. If you are thinking of adding yourself on his policy and canceling your policy to save money, this would not be advisable. It will probably drive up the cost of your individual coverage and you probably will end up paying more being on his than if you had remained on your policy alone. Consider getting a quote on your both auto policies. You may be pleasantly surprise by saving money on both policies!

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.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption