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Can my insurance company add someone to my policy if they share my address?

Can an insurance company add my daughter to my policy without my consent? We both use the same mailing address. I travel a lot, so the best option for me is to use my daughter's address for my mail and permanent address.

Dec 12, 2022 New Tazeville, TN

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Nathan Foster

Agency Trainer

Credentials
  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

Nathan tra…

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Beth Swanson

SEO Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

This is an excellent question. Insurance carriers reserve the right to add anyone that they pull that has used your daughter's address for a mailing address, especially if that person shares a last name and it's where the insured vehicle is garaged for most of the time.

They are typically given 30-60 days to do so.  Don't worry though, because most companies will allow your daughter to remove you from her policy (or vice versa) if you simply provide them your insurance ID cards showing you have coverage elsewhere.

If for some reason that doesn't work, you should also have the option to exclude yourself from your daughter's policy.  This will mean, however, that you cannot drive her vehicle(s) under any circumstance because if you were involved in an accident it would not be covered. 

If your daughter is still having issues with her current insurance company, she can call our agency to get a personalized quote at 888-444-8949 or she can get a quote online through The Zebra.

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