Car Insurance Costs

Will my girlfriend's bad driving record follow me to another car insurance company?

Sorry to hear about the situation. It is possible for claims to follow you elsewhere.

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Eligibility

I'm an international student who will be sharing a car with my girlfriend. How do I get insurance and does it cover both of us?

Not all insurance companies will be willing to cover drivers with non-U.S. licenses, but it's certainly not impossible to find insurance as a foreign driver.

Coverage & Claims

I'm on a shared policy, is it possible that the claims made somehow only show up to my name?

Claims departments should be marking the correct driver for a claim but other drivers pop up on reports from time to time. This comes from the way the insurance company generating the quote is reading reports.

General Insurance

Should both my girlfriend and I be on the car title?

I would only put the title in one name — whoever will own and register the vehicle. Putting two people on the title may only complicate things unnecessarily and make it harder to sell.

Eligibility

Can my girlfriend and I save money on insurance if we bundle our vehicles together?

Thanks for your questions! I would definitely combine as much as possible. You will get multi-car and multi-policy discounts which can save you a lot of money.

General Insurance

Can I get insurance in my name for my girlfriend and her car?

You can get insurance in your name but your girlfriend will need to be listed on the policy since the car is in her name and she will be driving the vehicle. If you have any further questions, don't hesitate to ask.

Coverage & Claims

If I have a gap in insurance, is it better to join my girlfriend's car insurance?

It's certainly possible that being added to your girlfriend's policy could be cheaper. For instance, if you live with your girlfriend and she has an established policy (and a good driving record) she will likely have a better rate for having continuous insurance.

Coverage & Claims

Can an insured driver use their insurance to cover an uninsured vehicle after an accident?

No. Car insurance follows the vehicle, not the driver.

Coverage & Claims

Who will the claims check be made out to after accident?

Since the insurance is in his name the check will be made out to him unless you're listed as the additional interest on the policy. An additional interest means you have a financial stake in the car.

Coverage & Claims

Can my ex add me to their policy if I don't consent?

No. I would call the insurance company he has his policy and speak to a manager or customer service representative.

General Insurance

Should I add my girlfriend to my car insurance policy?

If the only reason you would be adding your girlfriend to your policy is to save money, I wouldn't recommend it. At the end of the day, your insurance company would be insuring an additional person and vehicle so regardless of the multi-person or multi-vehicle discount you would receive, it probably wouldn't offset the additional insurable interests.
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