How Do You Add a New Driver to Your Auto Insurance Policy?

Auto insurance is an essential financial shield for all motorists and vehicle owners. Every driver needs coverage, but they may not need their own policy. In many cases, you may be able to add additional people to your existing auto insurance policy as additional insured drivers. However, this process can be nuanced and complicated, potentially necessitating guidance from a qualified insurance professional, such as those at Insure All, LLC.

Who Should You Add to Your Auto Insurance?

Generally, you should add anyone as an insured if they regularly drive your car. This is because, even if someone else explicitly has your permission to use your vehicle, accidents occurring while an uninsured party is behind the wheel may lead to denied claims. Additionally, many insurance carriers may require you to add anyone to your policy who drives your car and shares the same permanent address, including friends, roommates, partners, spouses, children and other family members.

What Do You Need to Add Someone to Your Auto Insurance Policy?

Regardless of who you plan to add to your auto insurance, you’ll need to contact your agent and provide the following information:

• Name
• Date of birth
• Driver’s license number
• Social Security number
• Address

Additional miscellaneous information, such as a new insured’s driving history and occupation, may also be requested.

Can I Add an Insured Temporarily?

Yes, there may be times when you can add someone to your auto insurance policy on a temporary basis. This may be a cost-effective and convenient choice when someone who doesn’t usually drive your car will be doing so for a predetermined period of time, such as a college student returning home for winter break or a live-in babysitter.

We’re Here to Help

Contact Insure All, LLC today to learn more about adding new people to your auto insurance and ensure you have appropriate coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.