Do I enjoy to attach my roommate on my auto insurance policy?
My roommate and I each hold a car but we don't share duplicate insurance policy. He has his own and I enjoy mine. I just get auto insurance for my new vehicle and the agent was relating me that I should add ethnic group living with me, but his driving copy is bad and I don't want it to incline my premium. The agent said that anyone who doesn't live with me can drive my motor and they'll be covered, but because my roommate lives with me, he won't be covered even though he have a different policy.
Answers:
If he lives next to you, and EVER drives the car, and you don't record him, then the problem is "matter misrepresentation" - failure on YOUR sector to list household member. That means, the insurance company doesn't own to pay if he cracks up the sports car. Some companies are super strict about that - similar to Progressive. They won't pay for your coup¨¦, and they won't pay for any bring down he does to anyone else's car near yours - YOU will, out of pocket.
Other companies are more lenient - that funds, they'll pay, but tag on him on retroactively to the beginning of the policy, AND his surcharges, and bill you for it. And if you don't wage, they'll cancel you and dispatch it through collections.
The problem is, the standard auto policy won't carry over onto other vehicle IN THE HOUSEHOLD, or AVAILABLE FOR REGULAR USE. So, your agent is right.
Either list him, or NEVER EVER EVER consent to him drive your car.
DO NOT add him to your policy. If he have a wreck - YOU (the policy holder) can be sued. However, since he lives w/ you, if you don't add him to your policy, you will enjoy to EXCLUDE him from your policy. That means DON'T agree to him drive your car b/c YOUR insurance won't cover him or it if he wrecks it.
What is your agent smoking? He's probably trying to form more money.
Don't do it.
Do not add your roommate to your policy. Let NO ONE drive your motor. You can always enjoy it noted on your policy that you are the only driver if needed.
Do not append your roomate to your auto insurance. Besides, why would you lend your car to your roomate if he have his own car and insurance? In doing so, it will elevate your premium and definitely will exact problems for your insurance.
The singular thing you can do is submit the person's autograph and DL #, along with the entitle of his insurer and policy number (or better yet, a copy of their policy) and inform the insurer that you do not want to tag on him as a driver to your policy. If your insurer still insists on adding him afterwards either inform them that you choice to have him excluded from the policy (the insurer may want to do this anyway), or find another insurer who will not donate him. There are many insurers out within who will be happy not to tag on a driver in the household to your policy as long as they hold insurance elsewhere (and maintains it), so desire them out. If your current insurer still insists on adding him you could other file a complaint next to your local regulatory body, but it may be easier just to find another insurer. Good luck.
I don't know how the law works contained by your state, but in VA you're supposed to document everyone in the household onto your policy, even if they enjoy their own isurance. Like Progressive for example, you can list them and provide proof of their insurance and they will not own to be rated or you charged premium for them. If they drive your coup¨¦ and have an happenstance without anyone rated on your policy, some companies hold a clause in their policy not to cover them. You would be responsible for the damages. I would see if the company you are beside can only LIST him/her surrounded by the household with proof of their insurance and not be charged for it. If not, check beside Progressive:)