Insurance question

[hermetic]

Can I insure a car that does not belong to me? I do have a car and a Geico policy and was wondering if I could add the car of a friend?
Thanks.

[Wellstone ruled]

1. Calll your agent,

most states that would be a Fraud Issue.

[hermetic]

4. Married people share policies

as well as parents and children, right? I would give the car owner's name.

[Wellstone ruled]

7. Call your agent.

All about the Names or name on the Title. And who is the Authorized Driver or Drivers on the Policy. Again,check with your Agent.

[hermetic]

11. Turns out you can

We are now both on the same policy, saving a few $.

[Phoenix61]

2. Probably not

Your insurance rates are based on your driving record not your friend's.

[hermetic]

12. You actually can

see final post...

[TexasBushwhacker]

3. You don't have to do that

Your liability i surance insures you as the driver of any car. Your comprehensive insurance insures your vehicle. Your friend's comprehensive insurance insures his vehicle being driven by any person who has his permission to drive it.

I had a boyfriend who totalled my car. He was driving it with my permission, therefore my insurance paid for it.

[hermetic]

13. We did it

Two different names on the one policy, no probs.

[Kali]

5. You can pay for it but I am pretty sure it has to be in their name.

[hermetic]

14. We now have both names

and 2 cars on one policy, and it's a little cheaper.

[tonyt53]

6. As in "add the car because your friend doesn't have insurance"? Highly doubt it.

Most states require the name on the insurance card to match the name on the registration of the car. Prevents fraud and protects drivers from uninsured vehicles/drivers.

[hermetic]

15. We did it

see final post, if interested...

[rgbecker]

8. I bet you can. You'll need to add his name as a driver and of course the premium for the car

will be yours to cover along with your other car (cars). If he is liable for a higher rate because of driving record etc. that will show up when they quote your rate.



Let us know how it works out.

[hermetic]

16. Sure enough, it's doable

and done. Yay!

[grantcart]

9. he will have to apply for the policy but you can make arrangements to pay for it.

[hermetic]

17. Hey,

Nice to see you. We did it and are now saving a few bucks. Happy all around. Hope all is well with you.

[grantcart]

19. thanks

[hermetic]

10. Turns out you can

Insurance companies are realizing that people are living together without being married/related so you can combine policies and you end up saving a few bucks, which is what we were trying to do. It did take a couple of phone calls and we both had to speak to the agent and verify who we were, but after that it was done. Thank you all for chiming in.

[grantcart]

18. I believe that the key issue is "add a friend" or "add a car of a friend"

In order to apply for insurance the person getting the coverage has to make certain statements of fact and attest that they are true, so at some point I am guessing that your friend had to 'apply for the coverage'.

Once approved there are numerous ways to pay for it.