I have a couple of questions regarding automobile insurance and am hoping to further my knowledge.

My wife and I both have seperate auto insurance. She is with one company, I am with another.

Do we need to be on each others policies to be able to occassionally drive each others cars?

I am trying to avoid putting her on my policy because I have 3 cars. Should she have a ticket or an incident, I don't want my rates going up. But every once in a blue moon, she takes my car or vice versa.

I think before we were married, it wasn't neccessary to be on each others policy. But does that change if we both have cars, titled in our respective names (not jointly titled) insured with seperate companies?

Thanks.
B

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In NY state you get discounts for multiply cars.

Also in NY State they can't really refuse coverage, since Cal is also a liberal state my guess is that it is the same with Cal, but I don't know.

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B:
You should check with your carrier about this question.
The best any of us could do is guess about what the inclusions/exclusions
might be with your policy. AAA does it on way others do it another ect

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You mean cars are multiplying in NY??



Was that the question B-Line asked?


What exactly does California being a liberal state have to do with B-Lines question?

Your family members. Insurance premiums not only reflect your age, gender and driving record, but those of other licensed drivers in your household as well. A teenage son who drives your car, or a spouse with a poor driving record will likely increase your insurance rates.

Do you have your wife listed as a member of your household on your policy?
if yes, then there's no reason to not combine.

If you don't, you potentially have a BIG problem if she ever gets in an accident while driving one of your cars (and vice versa). If you haven't disclosed to your insurance company that you're married and that your wife occasionally drives your cars, the carrier can consider that fraud and deny claims.

I've seen it happen in NY, the family business is an independent insurance agency.

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Fraud is a outright lie, filling out a form about your family profile and not mentioning your wife etc is fraud, I don't think forgetting to tell them about a new wife etc is the same.

Gresch,

Thanks for the clarification. Here is where I'm still a bit confused.

Jodi and I have been living together for a very long time. Before we were married, I did not need to have her on my policy as she had her own car and her own insurance. According to my agent, it was fine that she wasn't on my policy.

So based on what you're saying, now that we are married, that changes?

As boyfriend/girlfriend, living together we need not be on each other's policies, even if, on occasion, we drove each others cars, but as a married couple, we need to be.

??

Thanks,

I might be wrong but I went through this after I got married in '05. As I recall, my State Farm agent told me that the insurance follows the person, not the car so if Jodi has her own insurance she should be covered driving your cars. Any liability incurred while driving your car should still fall on her and her insurance.

In my situation, my wife sold her car and has been driving one of my cars. I did add her to my insurance and her name now appears on our insurance cards. The upside of having both cars on the same policy is the multi-car discount. I suppose the downside of combining might be the joint liability.

I'm not sure if that is how it works though. If my wife crashes it might affect me. I didn't ask and now that you bring this up, I need to ask my agent. In your case, it might be best to keep your policies separate. I would definitely ask your agent. There might be some unique rules for California as there often are with things like this.

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