Can I remain on someone else’s insurance policy if I don’t live with them?
A few years ago, I bought a car that’s registered in my name and my mom’s because she co-signed for me. At that time, I was living with my mother-in-law, who added me, my partner, and my car to her insurance policy since we all used it. Now that my partner and I have moved out to our own place (in a different city but still within the same state), I’m wondering if it’s a problem that my car and I are still covered under her policy while living at a different address. My car is still registered to her address since I haven’t updated it. Would this cause any issues if I need to file a claim? Should I remove myself from her policy since I’ve moved out? I want to make sure I’m properly covered and avoid any potential issues!
As a side note, my partner and I are not legally married, and we live in California.
It’s great that you’re being proactive about understanding your insurance coverage! In California, auto insurance policies typically require that all drivers and vehicles listed on the policy be residents of the same household. Since you and your partner have moved out and are living separately, it’s technically against most insurance policies to remain on your mother-in-law’s policy.
Even though your car is still registered at her address, insurance companies may see a discrepancy when it comes to filing a claim. If a claim were to arise and the insurance company found out that you no longer live at the same address, it could lead to issues such as denial of the claim or potential cancellation of the policy.
To stay covered and avoid any complications, you should either:
It’s always best to be transparent with your insurer to ensure you’re fully covered and compliant with the requirements. Good luck!