Should I add my live-in girlfirend to my car insurance policy as a driver of my vehicle?
In most cases, as long as she has her own vehicle with her own insurance, your insurance carrier will add her as a non-rated driver. This acknowledges that they are aware that she is in the household but they know she has her own car so she will primarily be operating her own vehicle. I would recommend that you have your agent or your carrier at least aware of this in writing that she is now residing with you and they will be able to assist you in determining if she needs to be added as a driver, a non-rated driver or an excluded driver (Which would only be in the case that she will NEVER be operating your vehicle!!!). This is just to make certain that there is adequate coverage for her and yourself in the event that there is a loss. No one should hide things from their insurance company as they are there to protect a person-in the event that an insurance company finds out that you intentionally withheld information regarding pertinent information, they could potentially rescind your p
