Auto insurance protects you financially in the event of a car accident. If you have a relative who lives in the same address in Cincinnati, OH, you can add him or her to your auto insurance policy. If you intend to add someone else to your auto insurance or want to buy a car with your roommate, here are some scenarios you should consider.

Adding your roommate to your auto insurance policy

The car insurance should be under your name. However, it is important to discuss with your insurance agent about adding your roommate to your auto insurance policy as an operator because you live in the same address. In a situation where both of you have their own vehicles and you are likely to use each other’s vehicles, you should consult with your insurance agent to confirm whether the Advantage Insurance Network insurance policy coverage extends to other drivers. It is, however, crucial to understanding how it works before committing.

Can I add someone who doesn’t live in the same address?

Typically, people listed in a car insurance policy in Cincinnati, OH must be the registered owners of the car or related to the car owner. Therefore, you can keep your child who is in college in your car insurance policy. It may not be possible to add non-related drivers who don’t live in the same address in your car insurance policy. Your insurance agent will help you on the best way to handle a situation whereby you and a friend own a car together.

Other considerations

According to the Insurance Information Institute, regardless of who is driving a particular vehicle, the primary insurance is the auto insurance policy that covers that vehicle. In other words, the auto insurance policy is supposed to help cover for damages in case a covered vehicle is involved in an accident, even if it was being driven by your friend. Your friend’s auto insurance policy may also be used as a secondary coverage option.

It is important to understand the terms of your auto insurance before you buy a car with a friend or add someone else to your insurance policy. Talk to one of our Advantage Insurance Network agent to be sure that you, your friend, and the car are covered fully to avoid unnecessary expenses in the event of an accident.