Adding a non-family member to your liability car insurance policy is a relatively simple process. The insurance company wants to know who drives your vehicle and their driving record. The way you know them is irrelevant. Even if they drive your car occasionally, you should add them to your policy to be covered in case of an accident. Also, it helps you maintain good faith with your auto insurance company and avoid rejection of future claims.
Adding a non-family member to your liability car insurance policy is easy, but it does involve a bit of work. The process varies by insurer and state insurance laws, and the company you’re with will determine how easy it is. Some companies will allow you to add non-family members if they drive your car a lot, while others will not. If you’re not sure, contact your insurance company or agent and ask if they allow it.
If your car insurance company allows it, you should add your non-family members. However, if you’re using your vehicle occasionally, you’ll want to include them. This way, you can reduce your insurance premiums without worrying about them driving uninsured. Just make sure that you’re aware of these policies and ensure that you’re aware of any limitations your insurer has for excluding drivers.